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 | 40,388,000 | 38,165,000 | 37,865,000 | 39,022,000 |
| Total loans | 15,742,000 | 16,285,000 | 16,096,000 | 15,546,000 |
| Allowance for loan losses | 275,000 | 275,000 | 165,000 | 165,000 |
| Securities available for sale | 13,790,000 | 12,401,000 | 12,343,000 | 12,104,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,011,000 | 29,367,000 | 28,144,000 | 29,424,000 |
| Interest-bearing deposits | 27,612,000 | 22,893,000 | 22,227,000 | 21,870,000 |
| Noninterest-bearing deposits | 7,400,000 | 6,474,000 | 5,917,000 | 7,554,000 |
| Equity capital | 5,321,000 | 5,217,000 | 5,335,000 | 5,442,000 |
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 | 380,000 | 724,000 | 1,080,000 | 1,468,000 |
| Interest expense | 75,000 | 167,000 | 290,000 | 438,000 |
| Net interest income | 305,000 | 557,000 | 790,000 | 1,030,000 |
| Noninterest income | 29,000 | 58,000 | 85,000 | 130,000 |
| Noninterest expense | 224,000 | 457,000 | 673,000 | 894,000 |
| Provision for loan losses | 0 | 0 | -110,000 | -110,000 |
| Pretax income | 110,000 | 156,000 | 310,000 | 374,000 |
| Income tax | 5,000 | 7,000 | 15,000 | 18,000 |
| Net income | 105,000 | 149,000 | 295,000 | 356,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,932,000 | 4,976,000 | 5,121,000 | 4,982,000 |
| Total capital | 5,153,000 | 5,239,000 | 5,286,000 | 5,147,000 |
| Risk-weighted assets | 17,631,000 | 21,036,000 | 18,017,000 | 18,137,000 |