Call reports 2018
EXCHANGE STATE BANK — 2018
What EXCHANGE STATE BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 69,871,000 | 69,037,000 | 69,387,000 | 71,152,000 |
| Total loans | 36,775,000 | 36,521,000 | 36,015,000 | 38,496,000 |
| Allowance for loan losses | 439,000 | 434,000 | 447,000 | 465,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 17,830,000 | 18,621,000 | 18,034,000 | 18,376,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,268,000 | 57,400,000 | 57,791,000 | 58,986,000 |
| Interest-bearing deposits | 52,451,000 | 51,497,000 | 50,981,000 | 52,398,000 |
| Noninterest-bearing deposits | 5,817,000 | 5,902,000 | 6,810,000 | 6,588,000 |
| Equity capital | 6,927,000 | 7,015,000 | 7,085,000 | 7,176,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 631,000 | 1,297,000 | 1,968,000 | 2,678,000 |
| Interest expense | 93,000 | 197,000 | 301,000 | 427,000 |
| Net interest income | 538,000 | 1,100,000 | 1,667,000 | 2,251,000 |
| Noninterest income | 41,000 | 105,000 | 144,000 | 192,000 |
| Noninterest expense | 464,000 | 948,000 | 1,425,000 | 1,895,000 |
| Provision for loan losses | 1,000 | 7,000 | 25,000 | 43,000 |
| Pretax income | 114,000 | 250,000 | 361,000 | 505,000 |
| Income tax | 15,000 | 38,000 | 54,000 | 82,000 |
| Net income | 99,000 | 212,000 | 307,000 | 423,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,927,000 | 7,015,000 | 7,085,000 | 7,176,000 |
| Total capital | 7,366,000 | 7,449,000 | 7,532,000 | 7,641,000 |
| Risk-weighted assets | 38,204,000 | 37,494,000 | 37,077,000 | 39,489,000 |