Call reports 2015
EXCHANGE STATE BANK — 2015
What EXCHANGE STATE BANK 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 | 104,700,000 | 105,545,000 | 105,456,000 | 108,967,000 |
| Total loans | 83,094,000 | 85,669,000 | 87,067,000 | 90,491,000 |
| Allowance for loan losses | 816,000 | 826,000 | 816,000 | 856,000 |
| Securities available for sale | 16,383,000 | 15,195,000 | 14,846,000 | 14,615,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,556,000 | 83,327,000 | 81,434,000 | 84,159,000 |
| Interest-bearing deposits | 69,875,000 | 69,749,000 | 67,033,000 | 69,310,000 |
| Noninterest-bearing deposits | 14,681,000 | 13,578,000 | 14,401,000 | 14,849,000 |
| Equity capital | 10,123,000 | 10,117,000 | 10,367,000 | 10,124,000 |
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 | 976,000 | 1,993,000 | 3,013,000 | 4,058,000 |
| Interest expense | 146,000 | 295,000 | 443,000 | 592,000 |
| Net interest income | 830,000 | 1,698,000 | 2,570,000 | 3,466,000 |
| Noninterest income | 35,000 | 67,000 | 101,000 | 147,000 |
| Noninterest expense | 573,000 | 1,141,000 | 1,705,000 | 2,254,000 |
| Provision for loan losses | 0 | 10,000 | 35,000 | 75,000 |
| Pretax income | 292,000 | 614,000 | 931,000 | 1,284,000 |
| Income tax | 14,000 | 30,000 | 46,000 | 64,000 |
| Net income | 278,000 | 584,000 | 885,000 | 1,220,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,131,000 | 10,176,000 | 10,377,000 | 10,198,000 |
| Total capital | 10,947,000 | 11,002,000 | 11,193,000 | 11,054,000 |
| Risk-weighted assets | 84,049,000 | 86,185,000 | 86,859,000 | 90,588,000 |