Call reports 2023
EXCHANGE STATE BANK — 2023
What EXCHANGE STATE BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 98,605,000 | 100,626,000 | 99,847,000 | 103,785,000 |
| Total loans | 46,097,000 | 47,950,000 | 51,610,000 | 55,769,000 |
| Allowance for loan losses | 657,000 | 657,000 | 657,000 | 657,000 |
| Securities available for sale | 45,479,000 | 44,484,000 | 43,249,000 | 40,792,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,219,000 | 89,162,000 | 84,140,000 | 87,556,000 |
| Interest-bearing deposits | 72,907,000 | 72,727,000 | 70,933,000 | 72,081,000 |
| Noninterest-bearing deposits | 14,312,000 | 16,435,000 | 13,207,000 | 15,475,000 |
| Equity capital | 7,909,000 | 8,008,000 | 7,687,000 | 8,582,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 989,000 | 2,042,000 | 3,170,000 | 4,419,000 |
| Interest expense | 232,000 | 534,000 | 919,000 | 1,437,000 |
| Net interest income | 757,000 | 1,508,000 | 2,251,000 | 2,982,000 |
| Noninterest income | 124,000 | 252,000 | 380,000 | 505,000 |
| Noninterest expense | 501,000 | 1,020,000 | 1,532,000 | 2,249,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 413,000 | 773,000 | 1,132,000 | 1,169,000 |
| Income tax | 15,000 | 30,000 | 45,000 | 98,000 |
| Net income | 398,000 | 743,000 | 1,087,000 | 1,071,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,253,000 | 12,482,000 | 12,716,000 | 12,562,000 |