Call reports 2025
EXCHANGE STATE BANK — 2025
What EXCHANGE STATE BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 103,915,000 | 112,728,000 | 111,622,000 | 109,076,000 |
| Total loans | 57,927,000 | 57,847,000 | 60,922,000 | 62,522,000 |
| Allowance for loan losses | 600,000 | 600,000 | 600,000 | 656,000 |
| Securities available for sale | 36,297,000 | 36,278,000 | 36,754,000 | 36,065,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,178,000 | 99,837,000 | 97,895,000 | 93,930,000 |
| Interest-bearing deposits | 79,173,000 | 87,850,000 | 87,188,000 | 81,103,000 |
| Noninterest-bearing deposits | 12,005,000 | 11,987,000 | 10,707,000 | 12,827,000 |
| Equity capital | 9,327,000 | 9,640,000 | 10,445,000 | 10,636,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 1,308,000 | 2,637,000 | 4,046,000 | 5,435,000 |
| Interest expense | 548,000 | 1,099,000 | 1,662,000 | 2,174,000 |
| Net interest income | 760,000 | 1,538,000 | 2,384,000 | 3,261,000 |
| Noninterest income | 124,000 | 270,000 | 401,000 | 547,000 |
| Noninterest expense | 537,000 | 1,079,000 | 1,684,000 | 2,384,000 |
| Provision for loan losses | 0 | 0 | 0 | 56,000 |
| Pretax income | 347,000 | 729,000 | 1,101,000 | 1,217,000 |
| Income tax | 13,000 | 27,000 | 41,000 | 51,000 |
| Net income | 334,000 | 702,000 | 1,060,000 | 1,166,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,477,000 | 12,742,000 | 12,998,000 | 13,000,000 |
| Total capital | — | — | 13,598,000 | — |
| Risk-weighted assets | — | — | 90,701,000 | — |