Call reports 2019
STATE EXCHANGE BANK, THE — 2019
What STATE EXCHANGE BANK, THE reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 34,674,000 | 34,391,000 | 34,560,000 | 37,537,000 |
| Total loans | 16,417,000 | 17,130,000 | 17,574,000 | 16,123,000 |
| Allowance for loan losses | 174,000 | 192,000 | 191,000 | 192,000 |
| Securities available for sale | 13,005,000 | 13,608,000 | 13,186,000 | 14,280,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,253,000 | 28,034,000 | 29,675,000 | 32,603,000 |
| Interest-bearing deposits | 22,596,000 | 21,883,000 | 22,400,000 | 21,835,000 |
| Noninterest-bearing deposits | 7,657,000 | 6,151,000 | 7,275,000 | 10,768,000 |
| Equity capital | 4,397,000 | 4,711,000 | 4,841,000 | 4,876,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 332,000 | 677,000 | 1,025,000 | 1,380,000 |
| Interest expense | 48,000 | 100,000 | 162,000 | 220,000 |
| Net interest income | 284,000 | 577,000 | 863,000 | 1,160,000 |
| Noninterest income | 17,000 | 41,000 | 70,000 | 99,000 |
| Noninterest expense | 230,000 | 391,000 | 606,000 | 946,000 |
| Provision for loan losses | 0 | 25,000 | 25,000 | 25,000 |
| Pretax income | 71,000 | 202,000 | 302,000 | 340,000 |
| Income tax | 3,000 | 8,000 | 11,000 | 28,000 |
| Net income | 68,000 | 194,000 | 291,000 | 312,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,475,000 | 4,600,000 | 4,647,000 | 4,667,000 |
| Total capital | 4,649,000 | 4,792,000 | 4,838,000 | 4,859,000 |
| Risk-weighted assets | 21,788,000 | 23,182,000 | 22,495,000 | 23,081,000 |