Call reports 2015
EXCHANGE STATE BANK — 2015
What EXCHANGE STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 152,755,000 | 152,975,000 | 155,497,000 | 159,486,000 |
| Total loans | 113,573,000 | 115,814,000 | 117,431,000 | 120,330,000 |
| Allowance for loan losses | 1,008,000 | 1,051,000 | 1,097,000 | 1,123,000 |
| Securities available for sale | 11,013,000 | 8,031,000 | 7,539,000 | 7,294,000 |
| Securities held to maturity | 14,241,000 | 14,075,000 | 13,766,000 | 13,753,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 129,770,000 | 123,724,000 | 125,906,000 | 129,716,000 |
| Interest-bearing deposits | 105,074,000 | 101,695,000 | 101,523,000 | 103,339,000 |
| Noninterest-bearing deposits | 24,696,000 | 22,029,000 | 24,383,000 | 26,377,000 |
| Equity capital | 14,683,000 | 14,970,000 | 15,278,000 | 15,521,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,455,000 | 2,941,000 | 4,461,000 | 5,961,000 |
| Interest expense | 204,000 | 414,000 | 624,000 | 837,000 |
| Net interest income | 1,251,000 | 2,527,000 | 3,837,000 | 5,124,000 |
| Noninterest income | 68,000 | 103,000 | 141,000 | 268,000 |
| Noninterest expense | 804,000 | 1,597,000 | 2,424,000 | 3,295,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 470,000 | 943,000 | 1,419,000 | 1,917,000 |
| Income tax | 24,000 | 26,000 | 28,000 | 30,000 |
| Net income | 446,000 | 917,000 | 1,391,000 | 1,887,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,220,000 | 14,506,000 | 14,792,000 | 15,067,000 |
| Total capital | 15,228,000 | 15,557,000 | 15,889,000 | 16,190,000 |
| Risk-weighted assets | 119,235,000 | 121,780,000 | 123,925,000 | 127,055,000 |