Call reports 2019
EXCHANGE STATE BANK — 2019
What EXCHANGE STATE BANK 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 | 112,572,000 | 113,722,000 | 112,267,000 | 113,272,000 |
| Total loans | 100,051,000 | 98,746,000 | 98,487,000 | 94,968,000 |
| Allowance for loan losses | 978,000 | 978,000 | 978,000 | 1,228,000 |
| Securities available for sale | 8,486,000 | 7,871,000 | 7,452,000 | 7,430,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,453,000 | 87,772,000 | 84,985,000 | 88,018,000 |
| Interest-bearing deposits | 68,727,000 | 71,536,000 | 67,895,000 | 71,780,000 |
| Noninterest-bearing deposits | 14,726,000 | 16,236,000 | 17,090,000 | 16,238,000 |
| Equity capital | 11,414,000 | 11,527,000 | 11,755,000 | 11,452,000 |
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 | 1,206,000 | 2,451,000 | 3,715,000 | 4,959,000 |
| Interest expense | 244,000 | 528,000 | 817,000 | 1,096,000 |
| Net interest income | 962,000 | 1,923,000 | 2,898,000 | 3,863,000 |
| Noninterest income | 16,000 | 37,000 | 73,000 | 94,000 |
| Noninterest expense | 700,000 | 1,453,000 | 2,041,000 | 2,625,000 |
| Provision for loan losses | 0 | 0 | 0 | 250,000 |
| Pretax income | 278,000 | 507,000 | 930,000 | 1,082,000 |
| Income tax | 14,000 | 25,000 | 46,000 | 63,000 |
| Net income | 264,000 | 482,000 | 884,000 | 1,019,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,463,000 | 11,500,000 | 11,723,000 | 11,417,000 |
| Total capital | 12,441,000 | 12,478,000 | 12,701,000 | 12,537,000 |
| Risk-weighted assets | 94,492,000 | 92,978,000 | 93,269,000 | 89,563,000 |