Call reports 2021
EXCHANGE BANK — 2021
What EXCHANGE BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 322,185,000 | 332,648,000 | 351,480,000 | 365,260,000 |
| Total loans | 171,167,000 | 169,057,000 | 172,133,000 | 165,346,000 |
| Allowance for loan losses | 3,030,000 | 3,062,000 | 3,094,000 | 3,098,000 |
| Securities available for sale | 115,194,000 | 121,571,000 | 122,442,000 | 154,266,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 283,885,000 | 292,768,000 | 309,794,000 | 325,244,000 |
| Interest-bearing deposits | 203,483,000 | 209,988,000 | 220,840,000 | 231,255,000 |
| Noninterest-bearing deposits | 80,402,000 | 82,780,000 | 88,954,000 | 93,989,000 |
| Equity capital | 37,504,000 | 39,154,000 | 40,478,000 | 39,541,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 2,860,000 | 5,766,000 | 8,729,000 | 11,692,000 |
| Interest expense | 212,000 | 393,000 | 566,000 | 724,000 |
| Net interest income | 2,648,000 | 5,373,000 | 8,163,000 | 10,968,000 |
| Noninterest income | 637,000 | 1,168,000 | 1,739,000 | 2,298,000 |
| Noninterest expense | 2,175,000 | 4,313,000 | 6,522,000 | 8,895,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 90,000 |
| Pretax income | 1,082,000 | 2,180,000 | 3,302,000 | 4,293,000 |
| Income tax | 241,000 | 493,000 | 734,000 | 875,000 |
| Net income | 841,000 | 1,687,000 | 2,568,000 | 3,418,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,316,000 | 38,936,000 | 39,598,000 | 40,180,000 |