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 | 38,726,000 | 39,662,000 | 38,391,000 | 41,097,000 |
| Total loans | 20,354,000 | 20,993,000 | 20,678,000 | 18,393,000 |
| Allowance for loan losses | 259,000 | 259,000 | 260,000 | 275,000 |
| Securities available for sale | 7,431,000 | 7,496,000 | 7,445,000 | 7,944,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,841,000 | 32,018,000 | 30,618,000 | 34,287,000 |
| Interest-bearing deposits | 25,079,000 | 25,832,000 | 24,401,000 | 27,417,000 |
| Noninterest-bearing deposits | 5,762,000 | 6,186,000 | 6,217,000 | 6,870,000 |
| Equity capital | 5,811,000 | 6,049,000 | 6,207,000 | 5,747,000 |
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 | 361,000 | 804,000 | 1,241,000 | 1,587,000 |
| Interest expense | 61,000 | 118,000 | 169,000 | 212,000 |
| Net interest income | 300,000 | 686,000 | 1,072,000 | 1,375,000 |
| Noninterest income | 100,000 | 125,000 | 155,000 | 183,000 |
| Noninterest expense | 222,000 | 448,000 | 680,000 | 964,000 |
| Provision for loan losses | 0 | 0 | 0 | 15,000 |
| Pretax income | 178,000 | 363,000 | 547,000 | 579,000 |
| Income tax | 9,000 | 18,000 | 27,000 | 29,000 |
| Net income | 169,000 | 345,000 | 520,000 | 550,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,589,000 | 4,766,000 | 4,942,000 | 4,501,000 |
| Total capital | 4,848,000 | 5,025,000 | 5,202,000 | 4,755,000 |
| Risk-weighted assets | 20,958,000 | 23,131,000 | 21,807,000 | 20,356,000 |