Call reports 2020
EXCHANGE STATE BANK — 2020
What EXCHANGE STATE BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 75,116,000 | 79,627,000 | 80,747,000 | 83,810,000 |
| Total loans | 42,818,000 | 43,288,000 | 44,446,000 | 43,796,000 |
| Allowance for loan losses | 530,000 | 537,000 | 557,000 | 539,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 16,172,000 | 14,543,000 | 12,975,000 | 13,519,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,749,000 | 67,267,000 | 68,395,000 | 71,611,000 |
| Interest-bearing deposits | 54,707,000 | 58,790,000 | 59,371,000 | 60,403,000 |
| Noninterest-bearing deposits | 8,042,000 | 8,477,000 | 9,024,000 | 11,208,000 |
| Equity capital | 7,801,000 | 7,953,000 | 8,061,000 | 8,119,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 792,000 | 1,592,000 | 2,326,000 | 3,028,000 |
| Interest expense | 147,000 | 288,000 | 411,000 | 537,000 |
| Net interest income | 645,000 | 1,304,000 | 1,915,000 | 2,491,000 |
| Noninterest income | 39,000 | 68,000 | 102,000 | 132,000 |
| Noninterest expense | 477,000 | 928,000 | 1,391,000 | 1,866,000 |
| Provision for loan losses | 15,000 | 30,000 | 50,000 | 74,000 |
| Pretax income | 195,000 | 417,000 | 582,000 | 689,000 |
| Income tax | 42,000 | 86,000 | 119,000 | 142,000 |
| Net income | 153,000 | 331,000 | 463,000 | 547,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,801,000 | 7,953,000 | 8,061,000 | 8,119,000 |