Call reports 2025
EXCHANGE BANK AND TRUST COMPANY — 2025
What EXCHANGE BANK AND TRUST COMPANY 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 | 204,361,000 | 197,675,000 | 183,619,000 | 188,549,000 |
| Total loans | 94,810,000 | 98,128,000 | 97,346,000 | 99,357,000 |
| Allowance for loan losses | 950,000 | 955,000 | 916,000 | 971,000 |
| Securities available for sale | 17,099,000 | 22,418,000 | 21,906,000 | 20,321,000 |
| Securities held to maturity | 59,308,000 | 57,957,000 | 56,818,000 | 55,385,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 186,029,000 | 178,398,000 | 162,932,000 | 169,065,000 |
| Interest-bearing deposits | 140,855,000 | 135,711,000 | 120,110,000 | 120,190,000 |
| Noninterest-bearing deposits | 45,174,000 | 42,687,000 | 42,822,000 | 48,875,000 |
| Equity capital | 17,800,000 | 18,582,000 | 19,915,000 | 18,931,000 |
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 | 2,247,000 | 4,639,000 | 6,942,000 | 9,176,000 |
| Interest expense | 313,000 | 600,000 | 822,000 | 988,000 |
| Net interest income | 1,934,000 | 4,039,000 | 6,120,000 | 8,188,000 |
| Noninterest income | 116,000 | 231,000 | 334,000 | 445,000 |
| Noninterest expense | 1,018,000 | 2,110,000 | 3,185,000 | 4,165,000 |
| Provision for loan losses | 0 | 0 | 0 | 50,000 |
| Pretax income | 1,032,000 | 2,160,000 | 3,269,000 | 4,418,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,032,000 | 2,160,000 | 3,269,000 | 4,418,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,332,000 | 23,962,000 | 24,571,000 | 23,520,000 |