Call reports 2024
EXCHANGE BANK — 2024
What EXCHANGE BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 390,685,000 | 384,996,000 | 386,358,000 | 394,772,000 |
| Total loans | 214,747,000 | 225,041,000 | 226,803,000 | 237,347,000 |
| Allowance for loan losses | 3,894,000 | 3,860,000 | 3,588,000 | 3,558,000 |
| Securities available for sale | 1,108,000 | 1,116,000 | 1,106,000 | 996,000 |
| Securities held to maturity | 141,348,000 | 139,839,000 | 137,985,000 | 137,030,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 330,529,000 | 318,712,000 | 318,692,000 | 326,801,000 |
| Interest-bearing deposits | 237,375,000 | 230,519,000 | 230,644,000 | 237,906,000 |
| Noninterest-bearing deposits | 93,154,000 | 88,193,000 | 88,048,000 | 88,895,000 |
| Equity capital | 38,658,000 | 39,722,000 | 40,857,000 | 41,945,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 4,400,000 | 9,059,000 | 13,941,000 | 19,009,000 |
| Interest expense | 1,115,000 | 2,318,000 | 3,659,000 | 5,018,000 |
| Net interest income | 3,285,000 | 6,741,000 | 10,282,000 | 13,991,000 |
| Noninterest income | 488,000 | 979,000 | 1,521,000 | 2,028,000 |
| Noninterest expense | 2,520,000 | 5,013,000 | 7,529,000 | 10,334,000 |
| Provision for loan losses | 4,000 | -9,000 | -119,000 | -119,000 |
| Pretax income | 1,253,000 | 2,707,000 | 4,274,000 | 5,704,000 |
| Income tax | 267,000 | 607,000 | 969,000 | 1,200,000 |
| Net income | 986,000 | 2,100,000 | 3,305,000 | 4,504,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,229,000 | 47,075,000 | 47,978,000 | 48,863,000 |