Call reports 2022
EXCHANGE BANK — 2022
What EXCHANGE BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 1,199,473,000 | 1,253,756,000 | 1,270,055,000 | 1,310,158,000 |
| Total loans | 836,121,000 | 874,982,000 | 896,187,000 | 925,723,000 |
| Allowance for loan losses | 14,291,000 | 14,618,000 | 15,135,000 | 15,284,000 |
| Securities available for sale | 304,028,000 | 307,379,000 | 298,918,000 | 309,997,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 911,279,000 | 935,278,000 | 946,456,000 | 971,850,000 |
| Interest-bearing deposits | 807,876,000 | 828,700,000 | 840,992,000 | 865,233,000 |
| Noninterest-bearing deposits | 103,403,000 | 106,578,000 | 105,464,000 | 106,617,000 |
| Equity capital | 119,595,000 | 115,356,000 | 108,587,000 | 120,781,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 10,885,000 | 22,208,000 | 34,953,000 | 49,293,000 |
| Interest expense | 1,744,000 | 3,729,000 | 6,729,000 | 11,501,000 |
| Net interest income | 9,141,000 | 18,479,000 | 28,224,000 | 37,792,000 |
| Noninterest income | 1,182,000 | 2,466,000 | 3,586,000 | 4,855,000 |
| Noninterest expense | 4,114,000 | 8,551,000 | 12,985,000 | 17,796,000 |
| Provision for loan losses | 375,000 | 750,000 | 1,125,000 | 1,500,000 |
| Pretax income | 7,110,000 | 12,921,000 | 18,978,000 | 23,987,000 |
| Income tax | -2,000 | 153,000 | 312,000 | 514,000 |
| Net income | 7,112,000 | 12,768,000 | 18,666,000 | 23,473,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 120,902,000 | 126,558,000 | 129,456,000 | 131,263,000 |