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 | 90,201,000 | 91,103,000 | 92,487,000 | 101,416,000 |
| Total loans | 37,745,000 | 38,262,000 | 39,857,000 | 43,101,000 |
| Allowance for loan losses | 877,000 | 877,000 | 905,000 | 930,000 |
| Securities available for sale | 49,123,000 | 47,817,000 | 47,133,000 | 51,928,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,738,000 | 75,012,000 | 79,179,000 | 77,845,000 |
| Interest-bearing deposits | 68,509,000 | 66,876,000 | 70,813,000 | 68,847,000 |
| Noninterest-bearing deposits | 7,229,000 | 8,136,000 | 8,366,000 | 8,998,000 |
| Equity capital | 9,712,000 | 9,414,000 | 9,750,000 | 10,066,000 |
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 | 752,000 | 1,512,000 | 2,275,000 | 3,068,000 |
| Interest expense | 125,000 | 248,000 | 383,000 | 524,000 |
| Net interest income | 627,000 | 1,264,000 | 1,892,000 | 2,544,000 |
| Noninterest income | 64,000 | 141,000 | 221,000 | 296,000 |
| Noninterest expense | 442,000 | 892,000 | 1,349,000 | 1,858,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 274,000 | 538,000 | 789,000 | 1,007,000 |
| Income tax | 4,000 | 8,000 | 12,000 | 17,000 |
| Net income | 270,000 | 530,000 | 777,000 | 990,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,530,000 | 8,709,000 | 8,858,000 | 8,983,000 |
| Total capital | 9,143,000 | 9,327,000 | 9,492,000 | 9,652,000 |
| Risk-weighted assets | 48,797,000 | 49,218,000 | 50,413,000 | 53,374,000 |