Call reports 2025
EXCHANGE BANK — 2025
What EXCHANGE BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 1,491,884,000 | 1,531,441,000 | 1,540,580,000 | 1,573,634,000 |
| Total loans | 1,035,909,000 | 1,072,918,000 | 1,072,628,000 | 1,080,075,000 |
| Allowance for loan losses | 14,835,000 | 14,978,000 | 14,931,000 | 14,901,000 |
| Securities available for sale | 385,540,000 | 384,251,000 | 395,636,000 | 416,035,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,167,692,000 | 1,192,615,000 | 1,193,401,000 | 1,199,335,000 |
| Interest-bearing deposits | 1,079,806,000 | 1,099,869,000 | 1,100,330,000 | 1,103,662,000 |
| Noninterest-bearing deposits | 87,886,000 | 92,746,000 | 93,071,000 | 95,673,000 |
| Equity capital | 138,041,000 | 142,813,000 | 157,723,000 | 170,367,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 21,096,000 | 43,318,000 | 65,546,000 | 87,361,000 |
| Interest expense | 11,022,000 | 22,182,000 | 33,309,000 | 43,164,000 |
| Net interest income | 10,074,000 | 21,136,000 | 32,237,000 | 44,197,000 |
| Noninterest income | 1,159,000 | 2,304,000 | 3,453,000 | 5,008,000 |
| Noninterest expense | 5,006,000 | 9,995,000 | 15,026,000 | 20,228,000 |
| Provision for loan losses | 100,000 | 300,000 | 500,000 | 750,000 |
| Pretax income | 6,178,000 | 13,332,000 | 20,464,000 | 28,425,000 |
| Income tax | 40,000 | 194,000 | 345,000 | 444,000 |
| Net income | 6,138,000 | 13,138,000 | 20,119,000 | 27,981,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 152,850,000 | 159,849,000 | 166,830,000 | 174,693,000 |