Exchange Bank

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Exchange Bank Locations

Deposit Rates - May 19, 2022

SAVINGS RATES APY MIN
CD RATES APY MIN
6 Mo CD
0.12% $10,000 Compare
6 Mo CD
0.14% $100,000 Compare
MM RATES APY MIN
Money Market
0.07% $2,500 Compare
Money Market
0.10% $10,000 Compare
Money Market
0.10% $25,000 Compare
PREMM RATES APY MIN
Premium Money Market
0.13% $10,000 Compare
Premium Money Market
0.13% $25,000 Compare
VARIABLE IRA RATES APY MIN
Var IRA
0.07% $1
INT CHECKING RATES APY MIN
Int Ckg
0.03% $1
Int Ckg
0.03% $2,500

Overview 2022

General Bank Information

FDIC Insured Yes
FDIC Certificate # 8468
Date Established 1890
Assets $ 3.54 billion
Loans $ 1,466.26 million
Deposits $ 3.18 billion
Capital $ 319.20 million

Summary Balance Sheet

ASSETS
Cash & Balances due from depository institutions $ 489.73 million
Interest-bearing balances $ 465.26 million
Total securities $ 1,407.49 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 1,466.26 million
Loan loss allowance $ 43.85 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 0.87 million
All other assets $ 144.83 million
     Total Assets $ 3.22 billion

LIABILITIES
Total deposits $ 3.18 billion
      Interest-bearing deposits $ 1,946.45 million
      Deposits held in domestic offices $ 3.18 billion
      % insured (estimated) 67.05%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 7.94 million
Subordinated debt N.A.
All other liabilities $ 29.57 millionn
      Total Liabilities $ 3.22 billion
      Shareholders’ Equity $ 319.20 million

Summary Income Statement

INCOME AND EXPENSES
Total Interest Income $ 95.31 million
Total Interest Expense $ 1.76 million
Net interest income $ 93.55 million
Provision for loan and lease losses $ 2.00 million
Total non interest income $ 23.64 million
Total non interest expense $ 64.65 million
Pre-tax Net Operating Income $ 50.55 million

Exchange Bank is an FDIC insured institution headquartered at 545 Fourth Street, Santa Rosa, CA 95401.
It was founded in 1890 and has approximately $4 billion in assets. Customers can open an account at one of its 21 branches.

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Savings Comparison

This analysis is for demonstrative purposes only. Savings rates may go up or down, and CD rates may not be renewable for the length of the term of the analysis.

PRODUCT
BANK
BANK TYPE
STATE
AMOUNT
TERM
APY
VS.NATL'L AV.
MIN
MILES

Tax Rate: 30%

All calculations are for demonstration purposes only.

  • 1
    LOCAL CD
    Bank
    CALIFORNIA
    $50,000
    6 Month
    0.12%
    0.45x (National Avg. - 0.27%)
    $10,000
    -
    SCENARIO
    Year Rate
    0.12%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 60 42
    2 50,060 60 42
    3 50,120 60 42
    4 50,180 60 42
    5 50,240 60 42
    6 50,301 60 42
    7 50,361 60 42
    8 50,422 61 42
    9 50,482 61 42
    10 50,543 61 42
    11 50,603 61 43
    12 50,664 61 43
    13 50,725 61 43
    14 50,786 61 43
    15 50,847 61 43
    16 50,908 61 43
    17 50,969 61 43
    18 51,030 61 43
    19 51,091 61 43
    20 51,152 61 43
    TOTAL $1,214 $850
  • 2
    ONLINE CD
    Online Bank
    -
    $50,000
    12 Month
    1.30%
    3.23x (National Avg. - 0.40%)
    $5,000
    -
    SCENARIO
    Year Rate
    1.30%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 650 455
    2 50,650 658 461
    3 51,308 667 467
    4 51,975 676 473
    5 52,651 684 479
    6 53,336 693 485
    7 54,029 702 492
    8 54,731 712 498
    9 55,443 721 505
    10 56,164 730 511
    11 56,894 740 518
    12 57,633 749 524
    13 58,383 759 531
    14 59,142 769 538
    15 59,910 779 545
    16 60,689 789 552
    17 61,478 799 559
    18 62,277 810 567
    19 63,087 820 574
    20 63,907 831 582
    TOTAL $14,738 $10,317