Call reports 2021
EXCHANGE BANK — 2021
What EXCHANGE BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 3,294,171,000 | 3,433,965,000 | 3,535,757,000 | 3,535,836,000 |
| Total loans | 1,718,600,000 | 1,678,297,000 | 1,592,169,000 | 1,510,108,000 |
| Allowance for loan losses | 42,724,000 | 43,790,000 | 43,638,000 | 43,847,000 |
| Securities available for sale | 1,002,418,000 | 1,103,579,000 | 1,244,297,000 | 1,407,248,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,940,850,000 | 3,077,732,000 | 3,171,846,000 | 3,179,118,000 |
| Interest-bearing deposits | 1,752,284,000 | 1,860,013,000 | 1,914,891,000 | 1,946,452,000 |
| Noninterest-bearing deposits | 1,188,566,000 | 1,217,719,000 | 1,256,955,000 | 1,232,666,000 |
| Equity capital | 304,328,000 | 308,994,000 | 316,058,000 | 319,202,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 23,953,000 | 47,419,000 | 71,834,000 | 95,311,000 |
| Interest expense | 480,000 | 911,000 | 1,337,000 | 1,757,000 |
| Net interest income | 23,473,000 | 46,508,000 | 70,497,000 | 93,554,000 |
| Noninterest income | 5,407,000 | 11,357,000 | 16,907,000 | 23,639,000 |
| Noninterest expense | 15,917,000 | 32,735,000 | 48,605,000 | 64,645,000 |
| Provision for loan losses | 1,200,000 | 2,000,000 | 2,000,000 | 2,000,000 |
| Pretax income | 11,763,000 | 23,130,000 | 36,799,000 | 50,548,000 |
| Income tax | 3,269,000 | 6,418,000 | 10,239,000 | 14,138,000 |
| Net income | 8,494,000 | 16,712,000 | 26,560,000 | 36,410,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 304,861,000 | 311,023,000 | 318,812,000 | 326,606,000 |
| Total capital | 326,526,000 | 332,420,000 | 340,045,000 | 347,078,000 |
| Risk-weighted assets | 1,712,131,000 | 1,689,312,000 | 1,676,190,000 | 1,614,335,000 |