Call reports 2019
EXCHANGE BANK AND TRUST COMPANY — 2019
What EXCHANGE BANK AND TRUST COMPANY reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 157,490,000 | 165,078,000 | 150,942,000 | 144,671,000 |
| Total loans | 65,316,000 | 64,652,000 | 65,929,000 | 68,600,000 |
| Allowance for loan losses | 658,000 | 673,000 | 675,000 | 674,000 |
| Securities available for sale | 80,054,000 | 86,527,000 | 78,572,000 | 69,563,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 142,380,000 | 148,573,000 | 126,475,000 | 119,858,000 |
| Interest-bearing deposits | 101,737,000 | 103,211,000 | 85,606,000 | 80,404,000 |
| Noninterest-bearing deposits | 40,642,000 | 45,362,000 | 40,868,000 | 39,454,000 |
| Equity capital | 14,657,000 | 15,981,000 | 16,531,000 | 15,910,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,428,000 | 2,939,000 | 4,416,000 | 5,838,000 |
| Interest expense | 69,000 | 129,000 | 206,000 | 306,000 |
| Net interest income | 1,359,000 | 2,810,000 | 4,210,000 | 5,532,000 |
| Noninterest income | 145,000 | 280,000 | 444,000 | 599,000 |
| Noninterest expense | 790,000 | 1,582,000 | 2,370,000 | 3,108,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 714,000 | 1,508,000 | 2,287,000 | 3,024,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 714,000 | 1,508,000 | 2,287,000 | 3,024,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,322,000 | 15,617,000 | 15,895,000 | 13,954,000 |
| Total capital | 15,980,000 | 16,290,000 | 16,570,000 | 14,628,000 |
| Risk-weighted assets | 65,942,000 | 69,953,000 | 67,401,000 | 65,730,000 |