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 | 86,381,000 | 98,303,000 | 101,816,000 | 103,065,000 |
| Total loans | 41,301,000 | 44,105,000 | 43,174,000 | 44,477,000 |
| Allowance for loan losses | 502,000 | 502,000 | 502,000 | 642,000 |
| Securities available for sale | 38,797,000 | 44,420,000 | 50,484,000 | 54,448,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,010,000 | 78,784,000 | 81,899,000 | 80,522,000 |
| Interest-bearing deposits | 64,894,000 | 68,099,000 | 71,184,000 | 68,084,000 |
| Noninterest-bearing deposits | 8,116,000 | 10,685,000 | 10,715,000 | 12,438,000 |
| Equity capital | 11,366,000 | 13,527,000 | 13,943,000 | 13,644,000 |
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 | 790,000 | 1,531,000 | 2,264,000 | 2,972,000 |
| Interest expense | 222,000 | 409,000 | 567,000 | 699,000 |
| Net interest income | 568,000 | 1,122,000 | 1,697,000 | 2,273,000 |
| Noninterest income | 130,000 | 463,000 | 688,000 | 1,040,000 |
| Noninterest expense | 505,000 | 1,004,000 | 1,542,000 | 2,329,000 |
| Provision for loan losses | 0 | 0 | 0 | 285,000 |
| Pretax income | 193,000 | 1,157,000 | 1,698,000 | 1,554,000 |
| Income tax | 4,000 | 7,000 | 11,000 | 27,000 |
| Net income | 189,000 | 1,150,000 | 1,687,000 | 1,527,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,653,000 | 11,537,000 | 11,998,000 | 11,701,000 |