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 | 171,921,000 | 186,098,000 | 191,662,000 | 206,013,000 |
| Total loans | 103,173,000 | 103,589,000 | 105,666,000 | 101,721,000 |
| Allowance for loan losses | 1,242,000 | 1,277,000 | 1,307,000 | 1,337,000 |
| Securities available for sale | 48,744,000 | 51,581,000 | 61,016,000 | 66,109,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 149,698,000 | 162,822,000 | 167,857,000 | 182,090,000 |
| Interest-bearing deposits | 108,982,000 | 113,353,000 | 117,990,000 | 122,837,000 |
| Noninterest-bearing deposits | 40,716,000 | 49,469,000 | 49,867,000 | 59,253,000 |
| Equity capital | 21,621,000 | 22,434,000 | 22,994,000 | 23,277,000 |
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 | 1,612,000 | 3,194,000 | 4,778,000 | 6,378,000 |
| Interest expense | 157,000 | 316,000 | 473,000 | 636,000 |
| Net interest income | 1,455,000 | 2,878,000 | 4,305,000 | 5,742,000 |
| Noninterest income | 166,000 | 454,000 | 797,000 | 1,210,000 |
| Noninterest expense | 1,009,000 | 2,014,000 | 3,104,000 | 4,525,000 |
| Provision for loan losses | 0 | 30,000 | 60,000 | 90,000 |
| Pretax income | 552,000 | 1,265,000 | 1,946,000 | 2,344,000 |
| Income tax | 93,000 | 217,000 | 336,000 | 393,000 |
| Net income | 459,000 | 1,048,000 | 1,610,000 | 1,951,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,700,000 | 21,289,000 | 21,693,000 | 22,005,000 |