Call reports 2020
EXCHANGE BANK — 2020
What EXCHANGE BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 2,640,390,000 | 3,035,780,000 | 3,038,464,000 | 3,132,187,000 |
| Total loans | 1,588,714,000 | 1,834,892,000 | 1,823,034,000 | 1,727,689,000 |
| Allowance for loan losses | 39,959,000 | 39,878,000 | 40,444,000 | 41,668,000 |
| Securities available for sale | 756,694,000 | 734,406,000 | 809,048,000 | 919,705,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,317,018,000 | 2,683,479,000 | 2,685,030,000 | 2,779,090,000 |
| Interest-bearing deposits | 1,446,056,000 | 1,575,409,000 | 1,597,689,000 | 1,660,479,000 |
| Noninterest-bearing deposits | 870,962,000 | 1,108,070,000 | 1,087,341,000 | 1,118,611,000 |
| Equity capital | 280,912,000 | 292,178,000 | 298,078,000 | 304,918,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 25,013,000 | 49,054,000 | 73,888,000 | 99,704,000 |
| Interest expense | 1,110,000 | 1,968,000 | 2,685,000 | 3,298,000 |
| Net interest income | 23,903,000 | 47,086,000 | 71,203,000 | 96,406,000 |
| Noninterest income | 5,864,000 | 10,609,000 | 15,794,000 | 21,501,000 |
| Noninterest expense | 17,785,000 | 34,909,000 | 52,310,000 | 68,641,000 |
| Provision for loan losses | 0 | 0 | 900,000 | 1,800,000 |
| Pretax income | 11,988,000 | 22,793,000 | 33,794,000 | 47,473,000 |
| Income tax | 3,356,000 | 6,308,000 | 9,331,000 | 13,774,000 |
| Net income | 8,632,000 | 16,485,000 | 24,463,000 | 33,699,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 279,529,000 | 285,325,000 | 291,245,000 | 298,425,000 |
| Total capital | 303,280,000 | 312,098,000 | 317,722,000 | 324,068,000 |
| Risk-weighted assets | 1,883,826,000 | 2,128,699,000 | 2,104,168,000 | 2,035,397,000 |