Call reports 2022
EXCHANGE BANK — 2022
What EXCHANGE BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 367,481,000 | 368,461,000 | 369,564,000 | 362,837,000 |
| Total loans | 173,395,000 | 185,974,000 | 195,081,000 | 197,412,000 |
| Allowance for loan losses | 3,092,000 | 3,094,000 | 3,106,000 | 3,993,000 |
| Securities available for sale | 149,754,000 | 0 | 1,454,000 | 1,300,000 |
| Securities held to maturity | 0 | 149,751,000 | 148,268,000 | 146,810,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 335,157,000 | 335,394,000 | 335,249,000 | 322,483,000 |
| Interest-bearing deposits | 241,553,000 | 236,635,000 | 235,499,000 | 226,537,000 |
| Noninterest-bearing deposits | 93,604,000 | 98,759,000 | 99,750,000 | 95,946,000 |
| Equity capital | 31,569,000 | 32,526,000 | 33,564,000 | 34,048,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 2,804,000 | 5,875,000 | 9,026,000 | 12,379,000 |
| Interest expense | 146,000 | 279,000 | 402,000 | 597,000 |
| Net interest income | 2,658,000 | 5,596,000 | 8,624,000 | 11,782,000 |
| Noninterest income | 644,000 | 1,286,000 | 1,844,000 | 2,366,000 |
| Noninterest expense | 2,150,000 | 4,444,000 | 6,667,000 | 8,956,000 |
| Provision for loan losses | 0 | 0 | 0 | 890,000 |
| Pretax income | 1,152,000 | 2,438,000 | 3,801,000 | 4,302,000 |
| Income tax | 251,000 | 520,000 | 825,000 | 794,000 |
| Net income | 901,000 | 1,918,000 | 2,976,000 | 3,508,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,805,000 | 41,581,000 | 42,389,000 | 42,670,000 |
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