Call reports 2005
EXCHANGE STATE BANK, THE — 2005
What EXCHANGE STATE BANK, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 26,970,000 | 27,739,000 | 29,623,000 | 31,344,000 |
| Total loans | 18,673,000 | 20,129,000 | 21,817,000 | 20,659,000 |
| Allowance for loan losses | 34,000 | 34,000 | 34,000 | 34,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 5,290,000 | 5,159,000 | 4,659,000 | 4,392,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,613,000 | 22,524,000 | 24,266,000 | 25,871,000 |
| Interest-bearing deposits | 18,995,000 | 19,807,000 | 21,463,000 | 23,329,000 |
| Noninterest-bearing deposits | 2,618,000 | 2,717,000 | 2,803,000 | 2,542,000 |
| Equity capital | 5,320,000 | 5,170,000 | 5,296,000 | 5,385,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 290,000 | 601,000 | 939,000 | 1,288,000 |
| Interest expense | 59,000 | 142,000 | 238,000 | 353,000 |
| Net interest income | 231,000 | 459,000 | 701,000 | 935,000 |
| Noninterest income | 19,000 | 32,000 | 50,000 | 69,000 |
| Noninterest expense | 85,000 | 221,000 | 348,000 | 511,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 165,000 | 270,000 | 403,000 | 493,000 |
| Income tax | 8,000 | 13,000 | 20,000 | 21,000 |
| Net income | 157,000 | 257,000 | 383,000 | 472,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,320,000 | 5,170,000 | 5,296,000 | 5,385,000 |
| Total capital | 5,354,000 | 5,204,000 | 5,330,000 | 5,419,000 |
| Risk-weighted assets | 17,060,000 | 18,245,000 | 20,223,000 | 19,692,000 |
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