Call reports 2020
EXCHANGE BANK OF MISSOURI — 2020
What EXCHANGE BANK OF MISSOURI reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 230,078,000 | 242,064,000 | 251,783,000 | 261,688,000 |
| Total loans | 178,519,000 | 187,441,000 | 186,467,000 | 176,630,000 |
| Allowance for loan losses | 1,823,000 | 1,842,000 | 1,878,000 | 1,943,000 |
| Securities available for sale | 16,898,000 | 17,689,000 | 18,467,000 | 23,847,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 202,974,000 | 213,943,000 | 222,473,000 | 231,816,000 |
| Interest-bearing deposits | 181,714,000 | 189,684,000 | 196,172,000 | 201,112,000 |
| Noninterest-bearing deposits | 21,260,000 | 24,259,000 | 26,301,000 | 30,704,000 |
| Equity capital | 25,743,000 | 26,597,000 | 27,538,000 | 28,499,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 2,819,000 | 5,944,000 | 8,696,000 | 11,377,000 |
| Interest expense | 772,000 | 1,455,000 | 2,080,000 | 2,680,000 |
| Net interest income | 2,047,000 | 4,489,000 | 6,616,000 | 8,697,000 |
| Noninterest income | 331,000 | 905,000 | 1,560,000 | 2,113,000 |
| Noninterest expense | 1,434,000 | 2,861,000 | 4,316,000 | 5,755,000 |
| Provision for loan losses | 64,000 | 74,000 | 111,000 | 175,000 |
| Pretax income | 880,000 | 2,468,000 | 3,758,000 | 4,899,000 |
| Income tax | 240,000 | 609,000 | 956,000 | 1,127,000 |
| Net income | 640,000 | 1,859,000 | 2,802,000 | 3,772,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,906,000 | 24,432,000 | 25,384,000 | 26,363,000 |
| Total capital | 25,729,000 | 26,274,000 | 27,262,000 | 28,306,000 |
| Risk-weighted assets | 182,818,000 | 185,110,000 | 187,315,000 | 187,877,000 |