Call reports 2019
EXCHANGE BANK — 2019
What EXCHANGE BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 2,633,093,000 | 2,567,125,000 | 2,607,873,000 | 2,669,817,000 |
| Total loans | 1,508,736,000 | 1,546,198,000 | 1,578,872,000 | 1,581,168,000 |
| Allowance for loan losses | 39,578,000 | 39,858,000 | 39,573,000 | 39,907,000 |
| Securities available for sale | 842,980,000 | 791,495,000 | 719,306,000 | 718,294,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,345,295,000 | 2,268,163,000 | 2,296,083,000 | 2,355,582,000 |
| Interest-bearing deposits | 1,515,844,000 | 1,462,020,000 | 1,465,914,000 | 1,487,126,000 |
| Noninterest-bearing deposits | 829,451,000 | 806,143,000 | 830,168,000 | 868,456,000 |
| Equity capital | 242,894,000 | 254,023,000 | 262,061,000 | 270,812,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 25,159,000 | 50,360,000 | 76,506,000 | 101,556,000 |
| Interest expense | 1,068,000 | 2,267,000 | 3,494,000 | 4,678,000 |
| Net interest income | 24,091,000 | 48,093,000 | 73,012,000 | 96,878,000 |
| Noninterest income | 5,576,000 | 11,403,000 | 17,835,000 | 24,092,000 |
| Noninterest expense | 17,188,000 | 34,564,000 | 52,836,000 | 70,338,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 12,649,000 | 25,102,000 | 38,181,000 | 50,802,000 |
| Income tax | 3,580,000 | 7,026,000 | 10,750,000 | 14,301,000 |
| Net income | 9,069,000 | 18,076,000 | 27,431,000 | 36,501,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 251,267,000 | 258,389,000 | 265,857,000 | 272,954,000 |
| Total capital | 273,519,000 | 281,555,000 | 289,559,000 | 296,645,000 |
| Risk-weighted assets | 1,762,752,000 | 1,836,545,000 | 1,880,210,000 | 1,879,050,000 |