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 | 67,552,000 | 67,010,000 | 65,555,000 | 67,175,000 |
| Total loans | 34,202,000 | 35,855,000 | 35,719,000 | 35,165,000 |
| Allowance for loan losses | 372,000 | 387,000 | 441,000 | 406,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 17,963,000 | 17,264,000 | 15,828,000 | 16,892,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,898,000 | 56,615,000 | 55,125,000 | 55,878,000 |
| Interest-bearing deposits | 50,277,000 | 50,733,000 | 49,704,000 | 50,444,000 |
| Noninterest-bearing deposits | 5,621,000 | 5,882,000 | 5,421,000 | 5,434,000 |
| Equity capital | 6,171,000 | 6,419,000 | 6,460,000 | 6,521,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 598,000 | 1,209,000 | 1,821,000 | 2,415,000 |
| Interest expense | 79,000 | 151,000 | 223,000 | 306,000 |
| Net interest income | 519,000 | 1,058,000 | 1,598,000 | 2,109,000 |
| Noninterest income | 52,000 | 277,000 | 323,000 | 364,000 |
| Noninterest expense | 434,000 | 868,000 | 1,302,000 | 1,746,000 |
| Provision for loan losses | 4,000 | 19,000 | 73,000 | 82,000 |
| Pretax income | 141,000 | 458,000 | 556,000 | 656,000 |
| Income tax | 30,000 | 75,000 | 106,000 | 120,000 |
| Net income | 111,000 | 383,000 | 450,000 | 536,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,171,000 | 6,419,000 | 6,460,000 | 6,521,000 |
| Total capital | 6,543,000 | 6,806,000 | 6,901,000 | 6,927,000 |
| Risk-weighted assets | 36,713,000 | 37,306,000 | 36,882,000 | 36,342,000 |