Call reports 2024
EXCHANGE BANK AND TRUST COMPANY — 2024
What EXCHANGE BANK AND TRUST COMPANY reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 187,131,000 | 186,038,000 | 179,524,000 | 176,060,000 |
| Total loans | 88,321,000 | 88,639,000 | 91,491,000 | 92,030,000 |
| Allowance for loan losses | 898,000 | 917,000 | 956,000 | 954,000 |
| Securities available for sale | 9,165,000 | 7,987,000 | 7,751,000 | 7,516,000 |
| Securities held to maturity | 64,285,000 | 63,203,000 | 62,022,000 | 60,287,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 171,360,000 | 169,356,000 | 161,698,000 | 159,159,000 |
| Interest-bearing deposits | 127,377,000 | 125,084,000 | 118,360,000 | 114,016,000 |
| Noninterest-bearing deposits | 43,983,000 | 44,272,000 | 43,338,000 | 45,143,000 |
| Equity capital | 15,221,000 | 16,096,000 | 17,206,000 | 16,490,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 1,965,000 | 4,007,000 | 6,056,000 | 8,050,000 |
| Interest expense | 135,000 | 249,000 | 355,000 | 462,000 |
| Net interest income | 1,830,000 | 3,758,000 | 5,701,000 | 7,588,000 |
| Noninterest income | 119,000 | 230,000 | 342,000 | 733,000 |
| Noninterest expense | 934,000 | 1,847,000 | 2,750,000 | 3,704,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,015,000 | 2,141,000 | 3,293,000 | 4,633,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,015,000 | 2,141,000 | 3,293,000 | 4,633,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,888,000 | 22,514,000 | 23,165,000 | 22,302,000 |
| Total capital | 22,843,000 | — | — | — |
| Risk-weighted assets | 88,537,000 | — | — | — |