Call reports 2021
EXCHANGE BANK — 2021
What EXCHANGE BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 1,168,759,000 | 1,183,148,000 | 1,183,031,000 | 1,232,471,000 |
| Total loans | 801,463,000 | 811,767,000 | 816,969,000 | 836,966,000 |
| Allowance for loan losses | 12,835,000 | 13,133,000 | 13,504,000 | 13,914,000 |
| Securities available for sale | 303,825,000 | 311,084,000 | 304,082,000 | 333,028,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 867,384,000 | 869,617,000 | 877,893,000 | 893,733,000 |
| Interest-bearing deposits | 768,255,000 | 776,348,000 | 783,218,000 | 796,897,000 |
| Noninterest-bearing deposits | 99,129,000 | 93,269,000 | 94,675,000 | 96,836,000 |
| Equity capital | 126,535,000 | 129,390,000 | 128,440,000 | 134,579,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 11,632,000 | 22,833,000 | 33,917,000 | 44,656,000 |
| Interest expense | 2,578,000 | 4,787,000 | 6,773,000 | 8,609,000 |
| Net interest income | 9,054,000 | 18,046,000 | 27,144,000 | 36,047,000 |
| Noninterest income | 1,634,000 | 2,964,000 | 4,283,000 | 5,688,000 |
| Noninterest expense | 4,393,000 | 8,729,000 | 12,989,000 | 17,969,000 |
| Provision for loan losses | 375,000 | 750,000 | 1,125,000 | 1,500,000 |
| Pretax income | 6,965,000 | 12,665,000 | 18,728,000 | 23,682,000 |
| Income tax | 183,000 | 305,000 | 443,000 | 597,000 |
| Net income | 6,782,000 | 12,360,000 | 18,285,000 | 23,085,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 113,187,000 | 115,065,000 | 115,990,000 | 120,790,000 |