Call reports 2023
EXCHANGE BANK — 2023
What EXCHANGE BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 3,361,658,000 | 3,321,058,000 | 3,363,234,000 | 3,367,559,000 |
| Total loans | 1,529,918,000 | 1,547,691,000 | 1,591,108,000 | 1,594,678,000 |
| Allowance for loan losses | 43,059,000 | 43,038,000 | 41,326,000 | 41,268,000 |
| Securities available for sale | 1,578,356,000 | 1,516,838,000 | 1,457,684,000 | 1,497,446,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,919,130,000 | 2,835,923,000 | 2,917,695,000 | 2,838,627,000 |
| Interest-bearing deposits | 1,814,529,000 | 1,799,833,000 | 1,895,590,000 | 1,861,201,000 |
| Noninterest-bearing deposits | 1,104,601,000 | 1,036,090,000 | 1,022,106,000 | 977,426,000 |
| Equity capital | 230,970,000 | 220,019,000 | 203,472,000 | 255,408,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 27,422,000 | 56,025,000 | 85,228,000 | 115,546,000 |
| Interest expense | 2,676,000 | 8,452,000 | 16,119,000 | 25,059,000 |
| Net interest income | 24,746,000 | 47,573,000 | 69,109,000 | 90,487,000 |
| Noninterest income | 6,025,000 | 11,805,000 | 17,685,000 | 23,651,000 |
| Noninterest expense | 18,124,000 | 49,030,000 | 67,579,000 | 86,437,000 |
| Provision for loan losses | 0 | -69,000 | -1,676,000 | -1,676,000 |
| Pretax income | 12,650,000 | 10,354,000 | 19,224,000 | 27,713,000 |
| Income tax | 3,433,000 | 3,275,000 | 5,802,000 | 7,519,000 |
| Net income | 9,217,000 | 7,079,000 | 13,422,000 | 20,194,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 362,673,000 | 358,308,000 | 362,422,000 | 367,267,000 |
| Total capital | 386,410,000 | 383,986,000 | 388,299,000 | 393,588,000 |
| Risk-weighted assets | 1,879,261,000 | 2,036,375,000 | 2,052,619,000 | 2,088,690,000 |