Call reports 2019
EXCHANGE STATE BANK, THE — 2019
What EXCHANGE STATE BANK, THE reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 44,903,000 | 44,749,000 | 43,888,000 | 45,864,000 |
| Total loans | 27,193,000 | 27,826,000 | 27,761,000 | 27,291,000 |
| Allowance for loan losses | 351,000 | 356,000 | 356,000 | 356,000 |
| Securities available for sale | 14,125,000 | 13,868,000 | 13,153,000 | 13,054,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,407,000 | 38,324,000 | 38,551,000 | 40,369,000 |
| Interest-bearing deposits | 35,428,000 | 33,693,000 | 34,207,000 | 35,825,000 |
| Noninterest-bearing deposits | 3,979,000 | 4,631,000 | 4,344,000 | 4,545,000 |
| Equity capital | 4,032,000 | 4,312,000 | 4,345,000 | 4,493,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 476,000 | 957,000 | 1,440,000 | 1,936,000 |
| Interest expense | 87,000 | 179,000 | 270,000 | 362,000 |
| Net interest income | 389,000 | 778,000 | 1,170,000 | 1,574,000 |
| Noninterest income | 14,000 | 28,000 | 59,000 | 99,000 |
| Noninterest expense | 269,000 | 528,000 | 791,000 | 1,066,000 |
| Provision for loan losses | 0 | 5,000 | 5,000 | 5,000 |
| Pretax income | 134,000 | 274,000 | 434,000 | 675,000 |
| Income tax | 28,000 | 57,000 | 92,000 | 147,000 |
| Net income | 106,000 | 217,000 | 342,000 | 528,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,161,000 | 4,215,000 | 4,216,000 | 4,370,000 |
| Total capital | 4,512,000 | 4,571,000 | 4,572,000 | 4,726,000 |
| Risk-weighted assets | 35,626,000 | 35,178,000 | 35,421,000 | 35,892,000 |
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