Call reports 2016
EXCHANGE STATE BANK — 2016
What EXCHANGE STATE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 37,523,000 | 37,575,000 | 36,599,000 | 38,023,000 |
| Total loans | 20,569,000 | 20,795,000 | 20,770,000 | 19,897,000 |
| Allowance for loan losses | 211,000 | 212,000 | 212,000 | 232,000 |
| Securities available for sale | 10,135,000 | 9,438,000 | 9,467,000 | 10,235,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,418,000 | 29,384,000 | 28,406,000 | 30,113,000 |
| Interest-bearing deposits | 19,845,000 | 24,753,000 | 24,200,000 | 24,870,000 |
| Noninterest-bearing deposits | 9,573,000 | 4,631,000 | 4,206,000 | 5,243,000 |
| Equity capital | 5,496,000 | 5,598,000 | 5,618,000 | 5,348,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 321,000 | 654,000 | 1,007,000 | 1,337,000 |
| Interest expense | 35,000 | 69,000 | 104,000 | 159,000 |
| Net interest income | 286,000 | 585,000 | 903,000 | 1,178,000 |
| Noninterest income | 50,000 | 98,000 | 141,000 | 183,000 |
| Noninterest expense | 239,000 | 470,000 | 700,000 | 958,000 |
| Provision for loan losses | 0 | 0 | 0 | 20,000 |
| Pretax income | 97,000 | 219,000 | 350,000 | 389,000 |
| Income tax | 5,000 | 11,000 | 17,000 | 19,000 |
| Net income | 92,000 | 208,000 | 333,000 | 370,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,303,000 | 4,353,000 | 4,411,000 | 4,263,000 |
| Total capital | 4,514,000 | 4,565,000 | 4,623,000 | 4,495,000 |
| Risk-weighted assets | 24,537,000 | 24,495,000 | 23,895,000 | 21,215,000 |