Call reports 2018
EXCHANGE BANK — 2018
What EXCHANGE BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 250,259,000 | 251,974,000 | 252,643,000 | 249,390,000 |
| Total loans | 147,435,000 | 156,871,000 | 161,761,000 | 155,509,000 |
| Allowance for loan losses | 2,675,000 | 2,686,000 | 2,691,000 | 2,686,000 |
| Securities available for sale | 77,310,000 | 72,477,000 | 69,358,000 | 67,376,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 212,694,000 | 211,040,000 | 211,299,000 | 210,335,000 |
| Interest-bearing deposits | 200,218,000 | 200,123,000 | 199,204,000 | 199,538,000 |
| Noninterest-bearing deposits | 12,476,000 | 10,917,000 | 12,095,000 | 10,797,000 |
| Equity capital | 30,932,000 | 31,228,000 | 31,552,000 | 32,444,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 2,554,000 | 5,227,000 | 8,013,000 | 10,763,000 |
| Interest expense | 209,000 | 437,000 | 715,000 | 1,005,000 |
| Net interest income | 2,345,000 | 4,790,000 | 7,298,000 | 9,758,000 |
| Noninterest income | 415,000 | 852,000 | 1,303,000 | 1,649,000 |
| Noninterest expense | 1,994,000 | 3,938,000 | 5,890,000 | 7,779,000 |
| Provision for loan losses | 0 | 1,000 | 1,000 | 1,000 |
| Pretax income | 724,000 | 1,661,000 | 2,668,000 | 3,583,000 |
| Income tax | 149,000 | 356,000 | 581,000 | 755,000 |
| Net income | 575,000 | 1,305,000 | 2,087,000 | 2,828,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,717,000 | 32,283,000 | 32,859,000 | 33,390,000 |
| Total capital | 33,801,000 | 34,423,000 | 35,056,000 | 35,509,000 |
| Risk-weighted assets | 166,147,000 | 170,634,000 | 175,266,000 | 168,966,000 |