Call reports 2025
EXCHANGE STATE BANK — 2025
What EXCHANGE STATE BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 101,610,000 | 102,570,000 | 103,990,000 | 104,019,000 |
| Total loans | 58,133,000 | 59,304,000 | 62,959,000 | 66,095,000 |
| Allowance for loan losses | 838,000 | 827,000 | 826,000 | 838,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 23,562,000 | 23,521,000 | 21,554,000 | 19,456,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,592,000 | 87,360,000 | 88,414,000 | 88,253,000 |
| Interest-bearing deposits | 75,103,000 | 76,991,000 | 77,403,000 | 76,082,000 |
| Noninterest-bearing deposits | 11,489,000 | 10,369,000 | 11,011,000 | 12,171,000 |
| Equity capital | 10,576,000 | 10,865,000 | 11,183,000 | 11,494,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 1,291,000 | 2,653,000 | 4,081,000 | 5,561,000 |
| Interest expense | 435,000 | 898,000 | 1,358,000 | 1,782,000 |
| Net interest income | 856,000 | 1,755,000 | 2,723,000 | 3,779,000 |
| Noninterest income | 51,000 | 103,000 | 153,000 | 200,000 |
| Noninterest expense | 544,000 | 1,079,000 | 1,638,000 | 2,261,000 |
| Provision for loan losses | 12,000 | 20,000 | 33,000 | 45,000 |
| Pretax income | 351,000 | 755,000 | 1,202,000 | 1,670,000 |
| Income tax | 79,000 | 169,000 | 273,000 | 379,000 |
| Net income | 272,000 | 586,000 | 929,000 | 1,291,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,576,000 | 10,865,000 | 11,183,000 | 11,495,000 |