Call reports 2018
EXCHANGE BANK — 2018
What EXCHANGE BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 2,674,381,000 | 2,615,396,000 | 2,614,097,000 | 2,652,009,000 |
| Total loans | 1,516,570,000 | 1,506,469,000 | 1,497,087,000 | 1,514,405,000 |
| Allowance for loan losses | 39,925,000 | 39,766,000 | 39,373,000 | 39,854,000 |
| Securities available for sale | 754,175,000 | 819,068,000 | 838,373,000 | 845,139,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,427,903,000 | 2,365,352,000 | 2,357,444,000 | 2,379,690,000 |
| Interest-bearing deposits | 1,561,058,000 | 1,523,818,000 | 1,501,133,000 | 1,492,821,000 |
| Noninterest-bearing deposits | 866,846,000 | 841,534,000 | 856,311,000 | 886,869,000 |
| Equity capital | 208,196,000 | 214,337,000 | 220,530,000 | 231,570,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 22,679,000 | 46,447,000 | 70,901,000 | 95,956,000 |
| Interest expense | 373,000 | 943,000 | 1,658,000 | 2,626,000 |
| Net interest income | 22,306,000 | 45,504,000 | 69,243,000 | 93,330,000 |
| Noninterest income | 9,097,000 | 14,490,000 | 20,105,000 | 25,972,000 |
| Noninterest expense | 15,896,000 | 32,210,000 | 48,342,000 | 65,607,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 15,507,000 | 27,784,000 | 41,006,000 | 53,495,000 |
| Income tax | 4,407,000 | 7,810,000 | 11,502,000 | 14,984,000 |
| Net income | 11,100,000 | 19,974,000 | 29,504,000 | 38,511,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 221,558,000 | 228,804,000 | 236,706,000 | 243,997,000 |
| Total capital | 244,465,000 | 251,135,000 | 258,808,000 | 266,196,000 |
| Risk-weighted assets | 1,815,504,000 | 1,769,036,000 | 1,750,853,000 | 1,758,230,000 |