Call reports 2020
EXCHANGE BANK — 2020
What EXCHANGE BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 269,590,000 | 292,007,000 | 298,066,000 | 316,935,000 |
| Total loans | 158,279,000 | 161,397,000 | 169,301,000 | 172,934,000 |
| Allowance for loan losses | 2,620,000 | 2,699,000 | 2,852,000 | 3,000,000 |
| Securities available for sale | 78,708,000 | 79,987,000 | 104,730,000 | 115,361,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 231,757,000 | 251,693,000 | 257,201,000 | 275,933,000 |
| Interest-bearing deposits | 221,862,000 | 236,628,000 | 241,965,000 | 258,695,000 |
| Noninterest-bearing deposits | 9,895,000 | 15,065,000 | 15,236,000 | 17,238,000 |
| Equity capital | 36,565,000 | 38,467,000 | 39,068,000 | 39,691,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 2,859,000 | 5,768,000 | 8,823,000 | 11,939,000 |
| Interest expense | 321,000 | 631,000 | 920,000 | 1,169,000 |
| Net interest income | 2,538,000 | 5,137,000 | 7,903,000 | 10,770,000 |
| Noninterest income | 461,000 | 1,101,000 | 1,800,000 | 2,428,000 |
| Noninterest expense | 2,095,000 | 4,057,000 | 6,405,000 | 8,765,000 |
| Provision for loan losses | 50,000 | 200,000 | 350,000 | 500,000 |
| Pretax income | 866,000 | 1,993,000 | 2,995,000 | 3,979,000 |
| Income tax | 200,000 | 485,000 | 702,000 | 811,000 |
| Net income | 666,000 | 1,508,000 | 2,293,000 | 3,168,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,804,000 | 36,466,000 | 37,013,000 | 37,696,000 |
| Total capital | 37,935,000 | 38,681,000 | 39,330,000 | 40,097,000 |
| Risk-weighted assets | 170,000,000 | 176,691,000 | 184,834,000 | 191,521,000 |