Call reports 2016
EXCHANGE STATE BANK — 2016
What EXCHANGE STATE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 152,868,000 | 152,974,000 | 152,979,000 | 161,559,000 |
| Total loans | 120,323,000 | 120,354,000 | 116,225,000 | 117,489,000 |
| Allowance for loan losses | 1,203,000 | 1,264,000 | 1,324,000 | 1,384,000 |
| Securities available for sale | 7,321,000 | 7,343,000 | 6,571,000 | 10,476,000 |
| Securities held to maturity | 12,563,000 | 12,555,000 | 12,393,000 | 13,500,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 130,816,000 | 126,584,000 | 131,357,000 | 138,887,000 |
| Interest-bearing deposits | 105,654,000 | 103,718,000 | 108,372,000 | 114,167,000 |
| Noninterest-bearing deposits | 25,162,000 | 22,866,000 | 22,985,000 | 24,720,000 |
| Equity capital | 15,763,000 | 16,048,000 | 16,252,000 | 16,058,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,492,000 | 2,994,000 | 4,503,000 | 6,025,000 |
| Interest expense | 210,000 | 405,000 | 616,000 | 833,000 |
| Net interest income | 1,282,000 | 2,589,000 | 3,887,000 | 5,192,000 |
| Noninterest income | 48,000 | 94,000 | 145,000 | 199,000 |
| Noninterest expense | 894,000 | 1,763,000 | 2,668,000 | 3,555,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 376,000 | 800,000 | 1,184,000 | 1,596,000 |
| Income tax | 3,000 | 4,000 | 5,000 | 8,000 |
| Net income | 373,000 | 796,000 | 1,179,000 | 1,588,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,269,000 | 15,519,000 | 15,732,000 | 15,620,000 |
| Total capital | 16,472,000 | 16,783,000 | 17,056,000 | 17,004,000 |
| Risk-weighted assets | 125,477,000 | 125,671,000 | 121,706,000 | 123,025,000 |