Call reports 2024
EXCHANGE BANK — 2024
What EXCHANGE BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 3,336,215,000 | 3,308,663,000 | 3,411,425,000 | 3,299,533,000 |
| Total loans | 1,598,221,000 | 1,599,801,000 | 1,602,583,000 | 1,618,578,000 |
| Allowance for loan losses | 41,212,000 | 40,832,000 | 41,014,000 | 35,099,000 |
| Securities available for sale | 1,459,404,000 | 1,426,973,000 | 1,431,151,000 | 1,362,345,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,809,292,000 | 2,775,961,000 | 2,817,445,000 | 2,832,443,000 |
| Interest-bearing deposits | 1,892,696,000 | 1,870,223,000 | 1,904,423,000 | 1,930,128,000 |
| Noninterest-bearing deposits | 916,596,000 | 905,738,000 | 913,022,000 | 902,315,000 |
| Equity capital | 252,455,000 | 257,083,000 | 293,897,000 | 280,809,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 30,339,000 | 61,291,000 | 92,807,000 | 124,719,000 |
| Interest expense | 10,040,000 | 20,642,000 | 32,220,000 | 43,459,000 |
| Net interest income | 20,299,000 | 40,649,000 | 60,587,000 | 81,260,000 |
| Noninterest income | 5,707,000 | 11,454,000 | 17,378,000 | 23,407,000 |
| Noninterest expense | 19,597,000 | 38,750,000 | 57,982,000 | 76,869,000 |
| Provision for loan losses | 0 | 0 | 0 | -5,800,000 |
| Pretax income | 6,412,000 | 13,327,000 | 19,960,000 | 33,578,000 |
| Income tax | 1,540,000 | 3,226,000 | 4,913,000 | 9,725,000 |
| Net income | 4,872,000 | 10,101,000 | 15,047,000 | 23,853,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 369,608,000 | 372,608,000 | 375,326,000 | 381,903,000 |
| Total capital | 395,911,000 | 398,913,000 | 401,355,000 | 408,591,000 |
| Risk-weighted assets | 2,087,296,000 | 2,087,853,000 | 2,065,298,000 | 2,130,352,000 |