Call reports 2016
EXCHANGE STATE BANK, THE — 2016
What EXCHANGE STATE BANK, THE reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 43,620,000 | 42,306,000 | 45,741,000 | 49,114,000 |
| Total loans | 23,660,000 | 22,541,000 | 23,615,000 | 23,538,000 |
| Allowance for loan losses | 184,000 | 188,000 | 194,000 | 208,000 |
| Securities available for sale | 14,415,000 | 14,082,000 | 16,344,000 | 17,770,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,625,000 | 37,714,000 | 40,225,000 | 44,373,000 |
| Interest-bearing deposits | 29,856,000 | 30,609,000 | 28,787,000 | 24,667,000 |
| Noninterest-bearing deposits | 9,769,000 | 7,105,000 | 11,438,000 | 19,707,000 |
| Equity capital | 3,808,000 | 4,050,000 | 3,940,000 | 3,773,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 405,000 | 808,000 | 1,229,000 | 1,672,000 |
| Interest expense | 48,000 | 101,000 | 154,000 | 203,000 |
| Net interest income | 357,000 | 707,000 | 1,075,000 | 1,469,000 |
| Noninterest income | 15,000 | 145,000 | 177,000 | 213,000 |
| Noninterest expense | 250,000 | 494,000 | 728,000 | 977,000 |
| Provision for loan losses | 8,000 | 11,000 | 18,000 | 33,000 |
| Pretax income | 114,000 | 347,000 | 506,000 | 672,000 |
| Income tax | 29,000 | 103,000 | 150,000 | 201,000 |
| Net income | 85,000 | 244,000 | 356,000 | 471,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,742,000 | 3,901,000 | 3,764,000 | 3,933,000 |
| Total capital | 3,927,000 | 4,089,000 | 3,958,000 | 4,141,000 |
| Risk-weighted assets | 31,076,000 | 28,790,000 | 33,410,000 | 35,005,000 |