Call reports 2025
EXCHANGE BANK — 2025
What EXCHANGE BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 3,274,099,000 | 3,270,956,000 | 3,308,335,000 | 3,304,145,000 |
| Total loans | 1,612,244,000 | 1,634,817,000 | 1,706,510,000 | 1,731,453,000 |
| Allowance for loan losses | 34,924,000 | 34,697,000 | 34,012,000 | 33,865,000 |
| Securities available for sale | 1,345,861,000 | 1,302,857,000 | 1,239,400,000 | 1,207,788,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,888,396,000 | 2,871,214,000 | 2,887,137,000 | 2,875,470,000 |
| Interest-bearing deposits | 1,984,667,000 | 1,972,932,000 | 2,014,775,000 | 2,012,128,000 |
| Noninterest-bearing deposits | 903,729,000 | 898,282,000 | 872,362,000 | 863,342,000 |
| Equity capital | 301,111,000 | 316,421,000 | 332,711,000 | 346,727,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 30,617,000 | 62,617,000 | 95,430,000 | 128,797,000 |
| Interest expense | 9,705,000 | 19,198,000 | 28,734,000 | 38,109,000 |
| Net interest income | 20,912,000 | 43,419,000 | 66,696,000 | 90,688,000 |
| Noninterest income | 6,401,000 | 12,998,000 | 20,437,000 | 26,810,000 |
| Noninterest expense | 19,783,000 | 39,451,000 | 58,421,000 | 78,558,000 |
| Provision for loan losses | 0 | 0 | -675,000 | -675,000 |
| Pretax income | 7,532,000 | 16,970,000 | 28,719,000 | 38,949,000 |
| Income tax | 1,918,000 | 4,314,000 | 7,506,000 | 8,981,000 |
| Net income | 5,614,000 | 12,656,000 | 21,213,000 | 29,968,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 385,288,000 | 390,102,000 | 396,430,000 | 402,957,000 |
| Total capital | 411,388,000 | 416,483,000 | 423,769,000 | 430,350,000 |
| Risk-weighted assets | 2,077,111,000 | 2,100,089,000 | 2,177,749,000 | 2,182,911,000 |