Call reports 2020
EXCHANGE STATE BANK — 2020
What EXCHANGE STATE BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 114,377,000 | 119,939,000 | 118,622,000 | 132,356,000 |
| Total loans | 91,258,000 | 96,266,000 | 98,452,000 | 95,706,000 |
| Allowance for loan losses | 1,248,000 | 890,000 | 950,000 | 947,000 |
| Securities available for sale | 6,726,000 | 5,297,000 | 7,872,000 | 16,143,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 88,716,000 | 94,136,000 | 92,906,000 | 106,760,000 |
| Interest-bearing deposits | 72,737,000 | 73,893,000 | 70,379,000 | 82,884,000 |
| Noninterest-bearing deposits | 15,979,000 | 20,243,000 | 22,527,000 | 23,876,000 |
| Equity capital | 11,802,000 | 11,924,000 | 11,857,000 | 11,888,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,184,000 | 2,325,000 | 3,456,000 | 4,669,000 |
| Interest expense | 267,000 | 510,000 | 725,000 | 912,000 |
| Net interest income | 917,000 | 1,815,000 | 2,731,000 | 3,757,000 |
| Noninterest income | 24,000 | 49,000 | 84,000 | 107,000 |
| Noninterest expense | 591,000 | 1,180,000 | 1,768,000 | 2,347,000 |
| Provision for loan losses | 20,000 | 80,000 | 140,000 | 200,000 |
| Pretax income | 330,000 | 604,000 | 907,000 | 1,317,000 |
| Income tax | 17,000 | 30,000 | 45,000 | 66,000 |
| Net income | 313,000 | 574,000 | 862,000 | 1,251,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,730,000 | 11,792,000 | 11,779,000 | 11,893,000 |
| Total capital | 12,784,000 | — | — | — |
| Risk-weighted assets | 84,138,000 | — | — | — |