Call reports 2015
EXCHANGE STATE BANK, THE — 2015
What EXCHANGE STATE BANK, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 44,129,000 | 45,016,000 | 45,879,000 | 42,977,000 |
| Total loans | 20,760,000 | 22,187,000 | 23,542,000 | 24,914,000 |
| Allowance for loan losses | 159,000 | 171,000 | 177,000 | 180,000 |
| Securities available for sale | 19,565,000 | 19,089,000 | 18,183,000 | 15,211,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,352,000 | 37,192,000 | 35,151,000 | 37,622,000 |
| Interest-bearing deposits | 31,698,000 | 29,183,000 | 23,807,000 | 29,340,000 |
| Noninterest-bearing deposits | 6,655,000 | 8,009,000 | 11,344,000 | 8,282,000 |
| Equity capital | 3,785,000 | 3,779,000 | 3,740,000 | 3,812,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 426,000 | 825,000 | 1,244,000 | 1,649,000 |
| Interest expense | 39,000 | 81,000 | 124,000 | 167,000 |
| Net interest income | 387,000 | 744,000 | 1,120,000 | 1,482,000 |
| Noninterest income | 18,000 | 36,000 | 58,000 | 86,000 |
| Noninterest expense | 274,000 | 491,000 | 741,000 | 998,000 |
| Provision for loan losses | 2,000 | 14,000 | 20,000 | 24,000 |
| Pretax income | 129,000 | 277,000 | 421,000 | 556,000 |
| Income tax | 33,000 | 76,000 | 118,000 | 156,000 |
| Net income | 96,000 | 201,000 | 303,000 | 400,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,629,000 | 3,732,000 | 3,710,000 | 3,807,000 |
| Total capital | 3,788,000 | 3,903,000 | 3,887,000 | 3,987,000 |
| Risk-weighted assets | 30,185,000 | 27,741,000 | 30,785,000 | 31,559,000 |