Call reports 2017
EXCHANGE BANK — 2017
What EXCHANGE BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 244,043,000 | 242,211,000 | 241,018,000 | 244,429,000 |
| Total loans | 134,603,000 | 132,808,000 | 138,553,000 | 139,951,000 |
| Allowance for loan losses | 2,637,000 | 2,650,000 | 2,661,000 | 2,666,000 |
| Securities available for sale | 82,358,000 | 82,034,000 | 83,594,000 | 84,103,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 213,051,000 | 210,475,000 | 208,849,000 | 212,334,000 |
| Interest-bearing deposits | 203,421,000 | 200,321,000 | 198,554,000 | 200,476,000 |
| Noninterest-bearing deposits | 9,630,000 | 10,154,000 | 10,295,000 | 11,858,000 |
| Equity capital | 30,180,000 | 31,101,000 | 31,446,000 | 31,422,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 2,373,000 | 4,753,000 | 7,191,000 | 9,714,000 |
| Interest expense | 212,000 | 420,000 | 623,000 | 821,000 |
| Net interest income | 2,161,000 | 4,333,000 | 6,568,000 | 8,893,000 |
| Noninterest income | 429,000 | 864,000 | 1,346,000 | 1,842,000 |
| Noninterest expense | 1,817,000 | 3,674,000 | 5,587,000 | 7,505,000 |
| Provision for loan losses | -1,000 | 0 | 0 | 0 |
| Pretax income | 829,000 | 1,588,000 | 2,426,000 | 3,322,000 |
| Income tax | 272,000 | 518,000 | 792,000 | 1,144,000 |
| Net income | 557,000 | 1,070,000 | 1,634,000 | 2,178,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,170,000 | 30,551,000 | 30,999,000 | 31,411,000 |
| Total capital | 32,047,000 | 32,430,000 | 32,929,000 | 33,401,000 |
| Risk-weighted assets | 149,396,000 | 149,516,000 | 153,675,000 | 158,542,000 |