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 | 70,821,000 | 71,309,000 | 68,350,000 | 69,330,000 |
| Total loans | 30,343,000 | 32,584,000 | 32,864,000 | 33,475,000 |
| Allowance for loan losses | 345,000 | 347,000 | 353,000 | 368,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 27,812,000 | 24,944,000 | 23,073,000 | 20,666,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,951,000 | 58,437,000 | 56,523,000 | 57,672,000 |
| Interest-bearing deposits | 53,978,000 | 51,066,000 | 51,090,000 | 51,039,000 |
| Noninterest-bearing deposits | 5,973,000 | 7,371,000 | 5,433,000 | 6,633,000 |
| Equity capital | 5,867,000 | 5,936,000 | 6,013,000 | 6,085,000 |
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 | 606,000 | 1,224,000 | 1,836,000 | 2,447,000 |
| Interest expense | 79,000 | 160,000 | 238,000 | 320,000 |
| Net interest income | 527,000 | 1,064,000 | 1,598,000 | 2,127,000 |
| Noninterest income | 41,000 | 84,000 | 124,000 | 169,000 |
| Noninterest expense | 423,000 | 846,000 | 1,289,000 | 1,724,000 |
| Provision for loan losses | 0 | 0 | 5,000 | 20,000 |
| Pretax income | 145,000 | 302,000 | 428,000 | 552,000 |
| Income tax | 23,000 | 49,000 | 53,000 | 60,000 |
| Net income | 122,000 | 236,000 | 358,000 | 475,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,867,000 | 5,936,000 | 6,013,000 | 6,085,000 |
| Total capital | 6,212,000 | 6,283,000 | 6,366,000 | 6,453,000 |
| Risk-weighted assets | 33,845,000 | 35,684,000 | 36,445,000 | 36,529,000 |