Call reports 2025
EXCHANGE STATE BANK, THE — 2025
What EXCHANGE STATE BANK, THE 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 | 53,716,000 | 52,767,000 | 52,156,000 | 52,892,000 |
| Total loans | 31,111,000 | 29,746,000 | 29,285,000 | 29,565,000 |
| Allowance for loan losses | 386,000 | 388,000 | 383,000 | 401,000 |
| Securities available for sale | 20,108,000 | 19,842,000 | 20,883,000 | 20,964,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,180,000 | 47,763,000 | 46,521,000 | 48,113,000 |
| Interest-bearing deposits | 41,808,000 | 39,874,000 | 38,806,000 | 40,907,000 |
| Noninterest-bearing deposits | 7,372,000 | 7,889,000 | 7,715,000 | 7,206,000 |
| Equity capital | 4,058,000 | 4,153,000 | 4,393,000 | 4,528,000 |
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 | 708,000 | 1,396,000 | 2,056,000 | 2,723,000 |
| Interest expense | 244,000 | 462,000 | 666,000 | 863,000 |
| Net interest income | 464,000 | 934,000 | 1,390,000 | 1,860,000 |
| Noninterest income | 47,000 | 69,000 | 102,000 | 155,000 |
| Noninterest expense | 382,000 | 765,000 | 1,150,000 | 1,545,000 |
| Provision for loan losses | -4,000 | -4,000 | -8,000 | 8,000 |
| Pretax income | 129,000 | 238,000 | 342,000 | 470,000 |
| Income tax | 17,000 | 45,000 | 71,000 | 99,000 |
| Net income | 112,000 | 193,000 | 271,000 | 371,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,728,000 | 4,809,000 | 4,787,000 | 4,887,000 |
| Total capital | 5,135,000 | 5,218,000 | — | — |
| Risk-weighted assets | 46,715,000 | 41,189,000 | — | — |
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