Call reports 2025
EXCHANGE BANK — 2025
What EXCHANGE BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 406,002,000 | 409,434,000 | 413,476,000 | 424,869,000 |
| Total loans | 244,003,000 | 251,267,000 | 258,845,000 | 270,769,000 |
| Allowance for loan losses | 3,558,000 | 3,556,000 | 3,553,000 | 4,444,000 |
| Securities available for sale | 961,000 | 958,000 | 872,000 | 869,000 |
| Securities held to maturity | 136,160,000 | 134,239,000 | 133,068,000 | 132,003,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 329,572,000 | 342,582,000 | 340,320,000 | 344,544,000 |
| Interest-bearing deposits | 237,070,000 | 249,492,000 | 248,136,000 | 253,900,000 |
| Noninterest-bearing deposits | 92,502,000 | 93,090,000 | 92,184,000 | 90,644,000 |
| Equity capital | 43,109,000 | 44,389,000 | 45,765,000 | 46,419,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 5,157,000 | 10,672,000 | 16,337,000 | 22,129,000 |
| Interest expense | 1,349,000 | 2,765,000 | 4,182,000 | 5,661,000 |
| Net interest income | 3,808,000 | 7,907,000 | 12,155,000 | 16,468,000 |
| Noninterest income | 469,000 | 944,000 | 1,491,000 | 2,002,000 |
| Noninterest expense | 2,681,000 | 5,441,000 | 8,198,000 | 11,245,000 |
| Provision for loan losses | 0 | 0 | 0 | 888,000 |
| Pretax income | 1,586,000 | 3,389,000 | 5,392,000 | 6,301,000 |
| Income tax | 362,000 | 776,000 | 1,243,000 | 1,288,000 |
| Net income | 1,224,000 | 2,613,000 | 4,149,000 | 5,013,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,818,000 | 50,887,000 | 52,047,000 | 52,498,000 |