Call reports 2019
EXCHANGE STATE BANK — 2019
What EXCHANGE STATE BANK 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 | 70,886,000 | 72,739,000 | 73,476,000 | 72,560,000 |
| Total loans | 39,009,000 | 39,786,000 | 39,175,000 | 39,455,000 |
| Allowance for loan losses | 477,000 | 486,000 | 501,000 | 515,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 18,241,000 | 18,241,000 | 17,951,000 | 19,077,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,685,000 | 60,589,000 | 61,180,000 | 60,314,000 |
| Interest-bearing deposits | 52,633,000 | 51,779,000 | 52,372,000 | 52,319,000 |
| Noninterest-bearing deposits | 6,051,000 | 8,810,000 | 8,808,000 | 7,995,000 |
| Equity capital | 7,282,000 | 7,377,000 | 7,575,000 | 7,672,000 |
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 | 718,000 | 1,461,000 | 2,222,000 | 2,982,000 |
| Interest expense | 127,000 | 271,000 | 415,000 | 569,000 |
| Net interest income | 591,000 | 1,190,000 | 1,807,000 | 2,413,000 |
| Noninterest income | 42,000 | 117,000 | 219,000 | 262,000 |
| Noninterest expense | 466,000 | 984,000 | 1,417,000 | 1,894,000 |
| Provision for loan losses | 12,000 | 21,000 | 36,000 | 50,000 |
| Pretax income | 155,000 | 302,000 | 579,000 | 744,000 |
| Income tax | 24,000 | 51,000 | 105,000 | 148,000 |
| Net income | 131,000 | 251,000 | 474,000 | 596,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,282,000 | 7,377,000 | 7,575,000 | 7,672,000 |
| Total capital | 7,759,000 | 7,863,000 | 8,075,000 | 8,187,000 |
| Risk-weighted assets | 39,597,000 | 41,092,000 | 39,977,000 | 41,715,000 |