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 | 97,653,000 | 97,699,000 | 95,637,000 | 99,406,000 |
| Total loans | 41,447,000 | 39,409,000 | 39,462,000 | 41,567,000 |
| Allowance for loan losses | 930,000 | 944,000 | 950,000 | 951,000 |
| Securities available for sale | 51,223,000 | 50,480,000 | 49,173,000 | 49,451,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,529,000 | 76,771,000 | 74,847,000 | 80,039,000 |
| Interest-bearing deposits | 67,973,000 | 67,473,000 | 66,914,000 | 68,082,000 |
| Noninterest-bearing deposits | 7,556,000 | 9,298,000 | 7,933,000 | 11,957,000 |
| Equity capital | 10,458,000 | 11,126,000 | 11,197,000 | 10,109,000 |
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 | 762,000 | 1,486,000 | 2,216,000 | 2,950,000 |
| Interest expense | 152,000 | 289,000 | 435,000 | 545,000 |
| Net interest income | 610,000 | 1,197,000 | 1,781,000 | 2,405,000 |
| Noninterest income | 85,000 | 170,000 | 262,000 | 381,000 |
| Noninterest expense | 484,000 | 950,000 | 1,427,000 | 1,927,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 354,000 | 560,000 | 758,000 | 1,002,000 |
| Income tax | 4,000 | 8,000 | 11,000 | 15,000 |
| Net income | 350,000 | 552,000 | 747,000 | 987,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,259,000 | 9,390,000 | 9,506,000 | 9,682,000 |
| Total capital | 9,905,000 | 10,016,000 | 10,128,000 | 10,334,000 |
| Risk-weighted assets | 51,430,000 | 49,741,000 | 49,450,000 | 51,848,000 |