Call reports 2023
EXCHANGE BANK — 2023
What EXCHANGE BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 368,178,000 | 375,034,000 | 370,869,000 | 373,736,000 |
| Total loans | 199,357,000 | 210,621,000 | 203,308,000 | 213,912,000 |
| Allowance for loan losses | 4,084,000 | 4,065,000 | 4,017,000 | 3,999,000 |
| Securities available for sale | 1,292,000 | 1,245,000 | 1,152,000 | 1,122,000 |
| Securities held to maturity | 145,899,000 | 144,204,000 | 143,107,000 | 142,253,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 328,086,000 | 317,297,000 | 321,504,000 | 315,400,000 |
| Interest-bearing deposits | 228,891,000 | 224,156,000 | 227,481,000 | 225,948,000 |
| Noninterest-bearing deposits | 99,195,000 | 93,141,000 | 94,023,000 | 89,452,000 |
| Equity capital | 34,812,000 | 35,723,000 | 36,706,000 | 37,782,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 3,440,000 | 7,213,000 | 11,281,000 | 15,543,000 |
| Interest expense | 386,000 | 997,000 | 1,828,000 | 2,770,000 |
| Net interest income | 3,054,000 | 6,216,000 | 9,453,000 | 12,773,000 |
| Noninterest income | 442,000 | 887,000 | 1,379,000 | 1,961,000 |
| Noninterest expense | 2,259,000 | 4,556,000 | 6,900,000 | 9,421,000 |
| Provision for loan losses | 90,000 | 70,000 | 70,000 | 70,000 |
| Pretax income | 1,147,000 | 2,397,000 | 3,782,000 | 5,163,000 |
| Income tax | 244,000 | 519,000 | 826,000 | 1,062,000 |
| Net income | 903,000 | 1,878,000 | 2,956,000 | 4,101,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,227,000 | 43,934,000 | 44,705,000 | 45,555,000 |