Call reports 2022
EXCHANGE BANK — 2022
What EXCHANGE BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 3,543,069,000 | 3,476,075,000 | 3,430,206,000 | 3,334,965,000 |
| Total loans | 1,491,041,000 | 1,523,681,000 | 1,503,494,000 | 1,509,908,000 |
| Allowance for loan losses | 43,931,000 | 43,870,000 | 43,912,000 | 43,540,000 |
| Securities available for sale | 1,581,107,000 | 1,609,853,000 | 1,596,056,000 | 1,575,646,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 3,236,117,000 | 3,203,680,000 | 3,199,388,000 | 3,066,280,000 |
| Interest-bearing deposits | 1,999,124,000 | 1,980,510,000 | 1,954,949,000 | 1,876,539,000 |
| Noninterest-bearing deposits | 1,236,994,000 | 1,223,169,000 | 1,244,439,000 | 1,189,742,000 |
| Equity capital | 269,899,000 | 236,303,000 | 189,575,000 | 202,025,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 22,787,000 | 47,739,000 | 74,150,000 | 101,212,000 |
| Interest expense | 401,000 | 808,000 | 1,232,000 | 2,075,000 |
| Net interest income | 22,386,000 | 46,931,000 | 72,918,000 | 99,137,000 |
| Noninterest income | 6,100,000 | 12,171,000 | 18,670,000 | 24,357,000 |
| Noninterest expense | 17,102,000 | 34,574,000 | 53,146,000 | 73,411,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 11,384,000 | 24,528,000 | 38,443,000 | 50,086,000 |
| Income tax | 3,124,000 | 6,751,000 | 10,597,000 | 12,606,000 |
| Net income | 8,260,000 | 17,777,000 | 27,846,000 | 37,480,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 332,808,000 | 340,268,000 | 348,196,000 | 355,686,000 |
| Total capital | 355,073,000 | 364,014,000 | 373,248,000 | 380,252,000 |
| Risk-weighted assets | 1,759,522,000 | 1,879,496,000 | 1,985,234,000 | 1,946,334,000 |