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 | 151,040,000 | 148,687,000 | 151,700,000 | 158,127,000 |
| Total loans | 97,744,000 | 100,246,000 | 100,834,000 | 98,949,000 |
| Allowance for loan losses | 1,227,000 | 1,206,000 | 1,210,000 | 1,224,000 |
| Securities available for sale | 43,175,000 | 37,997,000 | 36,937,000 | 38,337,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 134,498,000 | 131,885,000 | 134,299,000 | 140,588,000 |
| Interest-bearing deposits | 105,844,000 | 102,410,000 | 101,729,000 | 104,917,000 |
| Noninterest-bearing deposits | 28,654,000 | 29,475,000 | 32,570,000 | 35,671,000 |
| Equity capital | 16,282,000 | 16,488,000 | 17,035,000 | 17,214,000 |
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 | 1,413,000 | 2,831,000 | 4,269,000 | 5,696,000 |
| Interest expense | 121,000 | 237,000 | 347,000 | 451,000 |
| Net interest income | 1,292,000 | 2,594,000 | 3,922,000 | 5,245,000 |
| Noninterest income | 150,000 | 321,000 | 486,000 | 639,000 |
| Noninterest expense | 943,000 | 1,857,000 | 2,755,000 | 3,942,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 484,000 | 1,042,000 | 1,630,000 | 1,900,000 |
| Income tax | 121,000 | 268,000 | 425,000 | 474,000 |
| Net income | 363,000 | 774,000 | 1,205,000 | 1,426,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,671,000 | 16,225,000 | 16,656,000 | 16,904,000 |
| Total capital | 17,898,000 | 17,432,000 | 17,866,000 | 18,128,000 |
| Risk-weighted assets | 104,042,000 | 106,580,000 | 107,398,000 | 110,357,000 |