Call reports 2025
EXCHANGE BANK OF MISSOURI — 2025
What EXCHANGE BANK OF MISSOURI 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 | 400,848,000 | 404,367,000 | 416,248,000 | 431,038,000 |
| Total loans | 307,507,000 | 322,716,000 | 331,068,000 | 336,451,000 |
| Allowance for loan losses | 3,305,000 | 3,375,000 | 3,446,000 | 3,523,000 |
| Securities available for sale | 31,783,000 | 31,672,000 | 33,120,000 | 33,817,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 363,934,000 | 366,615,000 | 376,099,000 | 390,306,000 |
| Interest-bearing deposits | 322,229,000 | 323,513,000 | 327,803,000 | 336,987,000 |
| Noninterest-bearing deposits | 41,705,000 | 43,102,000 | 48,296,000 | 53,319,000 |
| Equity capital | 34,870,000 | 35,978,000 | 38,048,000 | 38,883,000 |
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 | 6,328,000 | 13,128,000 | 20,099,000 | 27,147,000 |
| Interest expense | 2,807,000 | 5,650,000 | 8,472,000 | 11,190,000 |
| Net interest income | 3,521,000 | 7,478,000 | 11,627,000 | 15,957,000 |
| Noninterest income | 434,000 | 936,000 | 1,466,000 | 2,019,000 |
| Noninterest expense | 2,465,000 | 4,940,000 | 7,530,000 | 10,263,000 |
| Provision for loan losses | 68,000 | 136,000 | 205,000 | 274,000 |
| Pretax income | 1,435,000 | 3,339,000 | 5,325,000 | 7,396,000 |
| Income tax | 368,000 | 824,000 | 1,294,000 | 1,754,000 |
| Net income | 1,067,000 | 2,515,000 | 4,031,000 | 5,642,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,633,000 | 37,557,000 | 38,583,000 | 39,770,000 |
| Total capital | 39,938,000 | 40,932,000 | 42,029,000 | 43,293,000 |
| Risk-weighted assets | 321,546,000 | 332,796,000 | 345,480,000 | 356,184,000 |