Call reports 2015
EXCHANGE STATE BANK — 2015
What EXCHANGE STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 38,213,000 | 37,537,000 | 35,445,000 | 37,052,000 |
| Total loans | 18,976,000 | 20,762,000 | 21,223,000 | 21,101,000 |
| Allowance for loan losses | 173,000 | 185,000 | 185,000 | 205,000 |
| Securities available for sale | 10,982,000 | 10,555,000 | 9,326,000 | 9,629,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,692,000 | 28,876,000 | 26,719,000 | 29,092,000 |
| Interest-bearing deposits | 24,739,000 | 24,396,000 | 22,912,000 | 24,713,000 |
| Noninterest-bearing deposits | 4,953,000 | 4,480,000 | 3,807,000 | 4,379,000 |
| Equity capital | 5,240,000 | 5,393,000 | 5,473,000 | 5,343,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 315,000 | 665,000 | 991,000 | 1,312,000 |
| Interest expense | 39,000 | 78,000 | 116,000 | 153,000 |
| Net interest income | 276,000 | 587,000 | 875,000 | 1,159,000 |
| Noninterest income | 38,000 | 109,000 | 155,000 | 196,000 |
| Noninterest expense | 234,000 | 468,000 | 698,000 | 959,000 |
| Provision for loan losses | 0 | 12,000 | 12,000 | 32,000 |
| Pretax income | 84,000 | 225,000 | 331,000 | 375,000 |
| Income tax | 4,000 | 11,000 | 16,000 | 18,000 |
| Net income | 80,000 | 214,000 | 315,000 | 357,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,172,000 | 4,273,000 | 4,308,000 | 4,196,000 |
| Total capital | 4,346,000 | 4,458,000 | 4,493,000 | 4,401,000 |
| Risk-weighted assets | 23,332,000 | 22,295,000 | 24,626,000 | 25,227,000 |