Call reports 2023
EXCHANGE STATE BANK — 2023
What EXCHANGE STATE BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 92,318,000 | 91,142,000 | 93,836,000 | 94,540,000 |
| Total loans | 47,174,000 | 48,063,000 | 51,220,000 | 51,397,000 |
| Allowance for loan losses | 677,000 | 701,000 | 751,000 | 767,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 24,222,000 | 24,220,000 | 24,099,000 | 23,728,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,182,000 | 74,702,000 | 76,673,000 | 80,363,000 |
| Interest-bearing deposits | 66,456,000 | 63,916,000 | 64,955,000 | 67,299,000 |
| Noninterest-bearing deposits | 11,727,000 | 10,786,000 | 11,719,000 | 13,064,000 |
| Equity capital | 9,048,000 | 9,200,000 | 9,400,000 | 9,588,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 832,000 | 1,719,000 | 2,729,000 | 3,800,000 |
| Interest expense | 128,000 | 311,000 | 567,000 | 878,000 |
| Net interest income | 704,000 | 1,408,000 | 2,162,000 | 2,922,000 |
| Noninterest income | 52,000 | 102,000 | 168,000 | 222,000 |
| Noninterest expense | 504,000 | 1,006,000 | 1,527,000 | 2,059,000 |
| Provision for loan losses | 24,000 | 48,000 | 66,000 | 76,000 |
| Pretax income | 228,000 | 456,000 | 737,000 | 1,009,000 |
| Income tax | 45,000 | 96,000 | 153,000 | 211,000 |
| Net income | 183,000 | 360,000 | 584,000 | 798,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,048,000 | 9,200,000 | 9,400,000 | 9,588,000 |