Call reports 2025
EXCHANGE STATE BANK — 2025
What EXCHANGE STATE BANK 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 | 145,731,000 | 137,939,000 | 142,615,000 | 146,278,000 |
| Total loans | 118,772,000 | 117,829,000 | 122,035,000 | 124,632,000 |
| Allowance for loan losses | 762,000 | 762,000 | 984,000 | 987,000 |
| Securities available for sale | 12,099,000 | 12,051,000 | 12,136,000 | 12,139,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 118,311,000 | 109,780,000 | 104,948,000 | 115,847,000 |
| Interest-bearing deposits | 93,516,000 | 87,552,000 | 83,988,000 | 91,911,000 |
| Noninterest-bearing deposits | 24,795,000 | 22,228,000 | 20,960,000 | 23,936,000 |
| Equity capital | 13,617,000 | 14,066,000 | 14,501,000 | 14,479,000 |
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 | 1,813,000 | 3,658,000 | 5,564,000 | 7,543,000 |
| Interest expense | 615,000 | 1,205,000 | 1,825,000 | 2,476,000 |
| Net interest income | 1,198,000 | 2,453,000 | 3,739,000 | 5,067,000 |
| Noninterest income | 14,000 | 32,000 | 60,000 | 79,000 |
| Noninterest expense | 612,000 | 1,187,000 | 1,780,000 | 2,366,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 600,000 | 1,298,000 | 2,019,000 | 2,780,000 |
| Income tax | 14,000 | 33,000 | 63,000 | 94,000 |
| Net income | 586,000 | 1,265,000 | 1,956,000 | 2,686,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,977,000 | 15,331,000 | 15,572,000 | 15,402,000 |