Call reports 2019
EXCHANGE BANK — 2019
What EXCHANGE BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 251,183,000 | 258,816,000 | 256,330,000 | 259,367,000 |
| Total loans | 156,724,000 | 153,771,000 | 152,552,000 | 153,054,000 |
| Allowance for loan losses | 2,695,000 | 2,694,000 | 2,699,000 | 2,610,000 |
| Securities available for sale | 68,061,000 | 72,873,000 | 77,502,000 | 75,983,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 213,999,000 | 219,924,000 | 219,397,000 | 222,229,000 |
| Interest-bearing deposits | 202,335,000 | 208,170,000 | 208,593,000 | 210,015,000 |
| Noninterest-bearing deposits | 11,664,000 | 11,754,000 | 10,804,000 | 12,214,000 |
| Equity capital | 33,547,000 | 34,923,000 | 35,858,000 | 36,147,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 2,751,000 | 5,533,000 | 8,409,000 | 11,234,000 |
| Interest expense | 294,000 | 610,000 | 950,000 | 1,271,000 |
| Net interest income | 2,457,000 | 4,923,000 | 7,459,000 | 9,963,000 |
| Noninterest income | 384,000 | 826,000 | 1,335,000 | 1,829,000 |
| Noninterest expense | 1,907,000 | 3,863,000 | 5,810,000 | 7,718,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 937,000 | 1,889,000 | 3,000,000 | 4,104,000 |
| Income tax | 211,000 | 415,000 | 668,000 | 939,000 |
| Net income | 726,000 | 1,474,000 | 2,332,000 | 3,165,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,896,000 | 34,405,000 | 35,061,000 | 35,366,000 |
| Total capital | 36,019,000 | 36,511,000 | 37,126,000 | 37,442,000 |
| Risk-weighted assets | 169,278,000 | 167,918,000 | 164,541,000 | 165,525,000 |