Call reports 2014
EXCHANGE STATE BANK — 2014
What EXCHANGE STATE BANK 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 | 105,812,000 | 104,656,000 | 103,891,000 | 106,298,000 |
| Total loans | 78,527,000 | 80,157,000 | 82,211,000 | 85,172,000 |
| Allowance for loan losses | 750,000 | 768,000 | 784,000 | 816,000 |
| Securities available for sale | 19,510,000 | 18,365,000 | 17,721,000 | 16,710,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,063,000 | 85,650,000 | 83,345,000 | 83,624,000 |
| Interest-bearing deposits | 71,507,000 | 71,543,000 | 70,601,000 | 69,403,000 |
| Noninterest-bearing deposits | 15,556,000 | 14,107,000 | 12,744,000 | 14,221,000 |
| Equity capital | 9,588,000 | 9,797,000 | 9,833,000 | 9,743,000 |
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 | 962,000 | 1,950,000 | 2,949,000 | 3,965,000 |
| Interest expense | 150,000 | 301,000 | 454,000 | 607,000 |
| Net interest income | 812,000 | 1,649,000 | 2,495,000 | 3,358,000 |
| Noninterest income | 5,000 | -5,000 | -6,000 | 44,000 |
| Noninterest expense | 583,000 | 1,153,000 | 1,730,000 | 2,400,000 |
| Provision for loan losses | 30,000 | 45,000 | 60,000 | 70,000 |
| Pretax income | 204,000 | 446,000 | 699,000 | 932,000 |
| Income tax | 10,000 | 22,000 | 35,000 | 47,000 |
| Net income | 194,000 | 424,000 | 664,000 | 885,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,751,000 | 9,881,000 | 9,911,000 | 9,852,000 |
| Total capital | 10,501,000 | 10,649,000 | 10,695,000 | 10,668,000 |
| Risk-weighted assets | 77,429,000 | 80,222,000 | 81,048,000 | 82,992,000 |
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