Call reports 2018
STATE EXCHANGE BANK, THE — 2018
What STATE EXCHANGE BANK, THE reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 65,587,000 | 67,423,000 | 66,210,000 | 65,002,000 |
| Total loans | 57,177,000 | 55,823,000 | 54,911,000 | 51,371,000 |
| Allowance for loan losses | 1,350,000 | 1,879,000 | 1,377,000 | 1,315,000 |
| Securities available for sale | 2,839,000 | 3,713,000 | 4,405,000 | 4,142,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,735,000 | 57,888,000 | 56,591,000 | 55,301,000 |
| Interest-bearing deposits | 43,426,000 | 45,786,000 | 44,459,000 | 43,297,000 |
| Noninterest-bearing deposits | 12,310,000 | 12,102,000 | 12,132,000 | 12,003,000 |
| Equity capital | 7,254,000 | 6,901,000 | 6,941,000 | 7,124,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 847,000 | 1,830,000 | 2,655,000 | 3,576,000 |
| Interest expense | 151,000 | 328,000 | 519,000 | 716,000 |
| Net interest income | 696,000 | 1,502,000 | 2,136,000 | 2,860,000 |
| Noninterest income | 29,000 | 85,000 | 104,000 | 116,000 |
| Noninterest expense | 406,000 | 813,000 | 1,223,000 | 1,800,000 |
| Provision for loan losses | 50,000 | 756,000 | 939,000 | 939,000 |
| Pretax income | 269,000 | 16,000 | 76,000 | 235,000 |
| Income tax | 29,000 | 29,000 | 29,000 | 29,000 |
| Net income | 240,000 | -13,000 | 47,000 | 206,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,262,000 | 6,910,000 | 6,969,000 | 7,128,000 |
| Total capital | 8,014,000 | 7,678,000 | 7,745,000 | 7,847,000 |
| Risk-weighted assets | 59,548,000 | 60,333,000 | 61,479,000 | 56,889,000 |