Call reports 2017
STATE EXCHANGE BANK, THE — 2017
What STATE EXCHANGE BANK, THE reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 35,098,000 | 36,628,000 | 37,070,000 | 38,599,000 |
| Total loans | 15,049,000 | 16,853,000 | 17,434,000 | 16,199,000 |
| Allowance for loan losses | 215,000 | 218,000 | 148,000 | 148,000 |
| Securities available for sale | 16,398,000 | 15,876,000 | 15,623,000 | 15,036,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,879,000 | 30,146,000 | 28,924,000 | 34,299,000 |
| Interest-bearing deposits | 24,706,000 | 24,577,000 | 23,302,000 | 23,515,000 |
| Noninterest-bearing deposits | 6,173,000 | 5,569,000 | 5,622,000 | 10,784,000 |
| Equity capital | 4,179,000 | 4,431,000 | 4,416,000 | 4,262,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 296,000 | 603,000 | 936,000 | 1,233,000 |
| Interest expense | 29,000 | 59,000 | 107,000 | 146,000 |
| Net interest income | 267,000 | 544,000 | 829,000 | 1,087,000 |
| Noninterest income | 23,000 | 49,000 | 73,000 | 93,000 |
| Noninterest expense | 185,000 | 364,000 | 580,000 | 855,000 |
| Provision for loan losses | 0 | 25,000 | 75,000 | 100,000 |
| Pretax income | 107,000 | 206,000 | 249,000 | 227,000 |
| Income tax | 3,000 | 7,000 | 12,000 | 8,000 |
| Net income | 104,000 | 199,000 | 237,000 | 219,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,221,000 | 4,315,000 | 4,305,000 | 4,286,000 |
| Total capital | 4,436,000 | 4,533,000 | 4,453,000 | 4,434,000 |
| Risk-weighted assets | 18,321,000 | 22,435,000 | 20,497,000 | 19,543,000 |