Call reports 2008
EXCHANGE STATE BANK — 2008
What EXCHANGE STATE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 88,241,000 | 88,613,000 | 90,341,000 | 99,086,000 |
| Total loans | 71,972,000 | 70,258,000 | 73,264,000 | 82,264,000 |
| Allowance for loan losses | 746,000 | 689,000 | 726,000 | 741,000 |
| Securities available for sale | 12,226,000 | 11,719,000 | 11,587,000 | 11,945,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,448,000 | 69,189,000 | 67,092,000 | 72,223,000 |
| Interest-bearing deposits | 61,132,000 | 62,049,000 | 59,632,000 | 63,250,000 |
| Noninterest-bearing deposits | 7,316,000 | 7,140,000 | 7,460,000 | 8,973,000 |
| Equity capital | 8,260,000 | 8,184,000 | 8,230,000 | 8,329,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,335,000 | 2,626,000 | 3,869,000 | 5,195,000 |
| Interest expense | 681,000 | 1,301,000 | 1,845,000 | 2,419,000 |
| Net interest income | 654,000 | 1,325,000 | 2,024,000 | 2,776,000 |
| Noninterest income | 42,000 | 87,000 | 142,000 | 271,000 |
| Noninterest expense | 533,000 | 1,042,000 | 1,567,000 | 2,108,000 |
| Provision for loan losses | 45,000 | 90,000 | 125,000 | 200,000 |
| Pretax income | 118,000 | 280,000 | 474,000 | 739,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 118,000 | 280,000 | 474,000 | 739,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,028,000 | 8,030,000 | 8,124,000 | 8,224,000 |
| Total capital | 8,774,000 | 8,719,000 | 8,850,000 | 8,965,000 |
| Risk-weighted assets | 70,323,000 | 69,142,000 | 71,519,000 | 80,064,000 |
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