Call reports 2019
EXCHANGE STATE BANK — 2019
What EXCHANGE STATE BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 84,617,000 | 91,165,000 | 91,489,000 | 90,727,000 |
| Total loans | 42,328,000 | 42,112,000 | 43,169,000 | 45,148,000 |
| Allowance for loan losses | 731,000 | 688,000 | 688,000 | 502,000 |
| Securities available for sale | 38,870,000 | 40,998,000 | 40,850,000 | 39,373,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,383,000 | 77,671,000 | 77,571,000 | 76,976,000 |
| Interest-bearing deposits | 63,495,000 | 67,818,000 | 66,955,000 | 64,886,000 |
| Noninterest-bearing deposits | 7,888,000 | 9,853,000 | 10,616,000 | 12,090,000 |
| Equity capital | 10,706,000 | 11,482,000 | 11,859,000 | 11,726,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 792,000 | 1,599,000 | 2,445,000 | 3,281,000 |
| Interest expense | 186,000 | 385,000 | 596,000 | 809,000 |
| Net interest income | 606,000 | 1,214,000 | 1,849,000 | 2,472,000 |
| Noninterest income | 82,000 | 203,000 | 338,000 | 473,000 |
| Noninterest expense | 485,000 | 1,023,000 | 1,545,000 | 2,135,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 203,000 | 692,000 | 948,000 | 1,116,000 |
| Income tax | 4,000 | 8,000 | 12,000 | 18,000 |
| Net income | 199,000 | 684,000 | 936,000 | 1,098,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,990,000 | 10,398,000 | 10,590,000 | 10,684,000 |
| Total capital | 10,629,000 | 11,043,000 | 11,259,000 | 11,186,000 |
| Risk-weighted assets | 51,004,000 | 51,531,000 | 53,537,000 | 53,378,000 |