Call reports 2016
EXCHANGE STATE BANK — 2016
What EXCHANGE STATE BANK 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 | 108,211,000 | 107,279,000 | 108,980,000 | 111,226,000 |
| Total loans | 91,427,000 | 89,491,000 | 92,477,000 | 95,905,000 |
| Allowance for loan losses | 886,000 | 896,000 | 921,000 | 921,000 |
| Securities available for sale | 12,814,000 | 12,275,000 | 11,588,000 | 11,299,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,527,000 | 82,905,000 | 85,474,000 | 84,176,000 |
| Interest-bearing deposits | 69,064,000 | 67,284,000 | 66,771,000 | 68,708,000 |
| Noninterest-bearing deposits | 14,463,000 | 15,621,000 | 18,703,000 | 15,468,000 |
| Equity capital | 10,471,000 | 10,648,000 | 10,720,000 | 10,405,000 |
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 | 1,053,000 | 2,126,000 | 3,186,000 | 4,259,000 |
| Interest expense | 148,000 | 296,000 | 457,000 | 616,000 |
| Net interest income | 905,000 | 1,830,000 | 2,729,000 | 3,643,000 |
| Noninterest income | 30,000 | 27,000 | 30,000 | 40,000 |
| Noninterest expense | 586,000 | 1,160,000 | 1,753,000 | 2,340,000 |
| Provision for loan losses | 30,000 | 40,000 | 40,000 | 40,000 |
| Pretax income | 319,000 | 657,000 | 966,000 | 1,305,000 |
| Income tax | 16,000 | 33,000 | 48,000 | 65,000 |
| Net income | 303,000 | 624,000 | 918,000 | 1,240,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,501,000 | 10,622,000 | 10,716,000 | 10,538,000 |
| Total capital | 11,387,000 | 11,518,000 | 11,637,000 | 11,459,000 |
| Risk-weighted assets | 91,609,000 | 85,724,000 | 89,826,000 | 93,213,000 |