Call reports 2023
EXCHANGE BANK — 2023
What EXCHANGE BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 1,342,006,000 | 1,369,885,000 | 1,374,300,000 | 1,415,211,000 |
| Total loans | 948,983,000 | 980,707,000 | 999,081,000 | 1,010,034,000 |
| Allowance for loan losses | 15,156,000 | 14,976,000 | 15,015,000 | 15,014,000 |
| Securities available for sale | 316,055,000 | 316,848,000 | 305,118,000 | 324,680,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,024,122,000 | 1,044,569,000 | 1,060,167,000 | 1,060,006,000 |
| Interest-bearing deposits | 922,125,000 | 943,362,000 | 965,025,000 | 970,964,000 |
| Noninterest-bearing deposits | 101,997,000 | 101,207,000 | 95,142,000 | 89,042,000 |
| Equity capital | 130,302,000 | 126,653,000 | 113,721,000 | 136,152,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 15,054,000 | 31,786,000 | 49,866,000 | 68,730,000 |
| Interest expense | 6,185,000 | 13,975,000 | 22,916,000 | 32,758,000 |
| Net interest income | 8,869,000 | 17,811,000 | 26,950,000 | 35,972,000 |
| Noninterest income | 1,204,000 | 2,235,000 | 3,455,000 | 4,602,000 |
| Noninterest expense | 4,820,000 | 9,571,000 | 14,424,000 | 19,508,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 8,315,000 | 13,513,000 | 19,027,000 | 23,086,000 |
| Income tax | -31,000 | 157,000 | 332,000 | 507,000 |
| Net income | 8,346,000 | 13,356,000 | 18,695,000 | 22,579,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 139,722,000 | 137,732,000 | 138,072,000 | 141,956,000 |