Call reports 2014
EXCHANGE STATE BANK, THE — 2014
What EXCHANGE STATE BANK, THE reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 47,486,000 | 48,318,000 | 45,667,000 | 45,026,000 |
| Total loans | 18,759,000 | 20,394,000 | 21,090,000 | 21,153,000 |
| Allowance for loan losses | 152,000 | 152,000 | 157,000 | 157,000 |
| Securities available for sale | 20,411,000 | 20,302,000 | 19,460,000 | 19,424,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,280,000 | 38,889,000 | 37,297,000 | 37,964,000 |
| Interest-bearing deposits | 32,255,000 | 31,744,000 | 30,185,000 | 30,617,000 |
| Noninterest-bearing deposits | 8,025,000 | 7,145,000 | 7,112,000 | 7,346,000 |
| Equity capital | 3,471,000 | 3,683,000 | 3,650,000 | 3,715,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 396,000 | 801,000 | 1,214,000 | 1,626,000 |
| Interest expense | 57,000 | 109,000 | 154,000 | 197,000 |
| Net interest income | 339,000 | 692,000 | 1,060,000 | 1,429,000 |
| Noninterest income | 24,000 | 36,000 | 83,000 | 48,000 |
| Noninterest expense | 285,000 | 563,000 | 830,000 | 1,060,000 |
| Provision for loan losses | 0 | 0 | 5,000 | 5,000 |
| Pretax income | 78,000 | 165,000 | 315,000 | 418,000 |
| Income tax | 11,000 | 34,000 | 77,000 | 100,000 |
| Net income | 55,000 | 131,000 | 238,000 | 318,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,494,000 | 3,570,000 | 3,578,000 | 3,657,000 |
| Total capital | 3,646,000 | 3,722,000 | 3,735,000 | 3,657,000 |
| Risk-weighted assets | 31,263,000 | 32,012,000 | 32,019,000 | 33,510,000 |
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