Call reports 2020
EXCHANGE BANK AND TRUST COMPANY — 2020
What EXCHANGE BANK AND TRUST COMPANY 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 | 161,863,000 | 169,793,000 | 160,873,000 | 157,800,000 |
| Total loans | 68,577,000 | 64,437,000 | 65,834,000 | 64,945,000 |
| Allowance for loan losses | 747,000 | 819,000 | 891,000 | 964,000 |
| Securities available for sale | 80,693,000 | 93,760,000 | 86,738,000 | 85,600,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 136,425,000 | 143,697,000 | 134,602,000 | 139,624,000 |
| Interest-bearing deposits | 98,002,000 | 100,328,000 | 92,895,000 | 97,781,000 |
| Noninterest-bearing deposits | 38,424,000 | 43,370,000 | 41,708,000 | 41,842,000 |
| Equity capital | 17,966,000 | 18,529,000 | 18,587,000 | 17,828,000 |
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 | 1,458,000 | 2,871,000 | 4,248,000 | 5,544,000 |
| Interest expense | 65,000 | 132,000 | 197,000 | 254,000 |
| Net interest income | 1,393,000 | 2,739,000 | 4,051,000 | 5,290,000 |
| Noninterest income | 145,000 | 251,000 | 392,000 | 719,000 |
| Noninterest expense | 816,000 | 1,598,000 | 2,394,000 | 3,114,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 651,000 | 1,246,000 | 1,845,000 | 2,616,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 651,000 | 1,246,000 | 1,845,000 | 2,616,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,158,000 | 15,678,000 | 15,779,000 | 15,221,000 |
| Total capital | 15,905,000 | 16,497,000 | 16,654,000 | 16,092,000 |
| Risk-weighted assets | 70,093,000 | 71,115,000 | 70,061,000 | 69,663,000 |