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 | 155,754,000 | 157,292,000 | 161,036,000 | 165,216,000 |
| Total loans | 100,944,000 | 103,039,000 | 104,603,000 | 103,910,000 |
| Allowance for loan losses | 1,239,000 | 1,274,000 | 1,274,000 | 1,289,000 |
| Securities available for sale | 41,256,000 | 40,459,000 | 42,838,000 | 45,214,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 138,125,000 | 139,120,000 | 142,253,000 | 147,001,000 |
| Interest-bearing deposits | 106,765,000 | 107,143,000 | 107,851,000 | 107,710,000 |
| Noninterest-bearing deposits | 31,360,000 | 31,977,000 | 34,402,000 | 39,291,000 |
| Equity capital | 17,343,000 | 17,840,000 | 18,257,000 | 17,828,000 |
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 | 1,422,000 | 2,870,000 | 4,359,000 | 5,855,000 |
| Interest expense | 112,000 | 222,000 | 337,000 | 450,000 |
| Net interest income | 1,310,000 | 2,648,000 | 4,022,000 | 5,405,000 |
| Noninterest income | 187,000 | 342,000 | 527,000 | 716,000 |
| Noninterest expense | 925,000 | 1,874,000 | 2,800,000 | 3,984,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 559,000 | 1,089,000 | 1,707,000 | 2,080,000 |
| Income tax | 142,000 | 274,000 | 436,000 | 517,000 |
| Net income | 417,000 | 815,000 | 1,271,000 | 1,563,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,914,000 | 17,312,000 | 17,757,000 | 18,049,000 |
| Total capital | 17,936,000 | 18,343,000 | 18,830,000 | 19,140,000 |
| Risk-weighted assets | 81,554,000 | 82,262,000 | 85,634,000 | 87,047,000 |