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 | 105,078,000 | 103,034,000 | 103,701,000 | 105,499,000 |
| Total loans | 76,383,000 | 77,837,000 | 80,931,000 | 81,499,000 |
| Allowance for loan losses | 838,000 | 814,000 | 832,000 | 856,000 |
| Securities available for sale | 17,646,000 | 17,089,000 | 15,224,000 | 15,082,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 90,225,000 | 88,384,000 | 89,308,000 | 90,916,000 |
| Interest-bearing deposits | 74,051,000 | 72,098,000 | 73,495,000 | 73,421,000 |
| Noninterest-bearing deposits | 16,174,000 | 16,286,000 | 15,813,000 | 17,495,000 |
| Equity capital | 11,389,000 | 11,371,000 | 11,082,000 | 11,284,000 |
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 | 1,601,000 | 3,124,000 | 4,663,000 | 6,148,000 |
| Interest expense | 534,000 | 1,019,000 | 1,485,000 | 1,942,000 |
| Net interest income | 1,067,000 | 2,105,000 | 3,178,000 | 4,206,000 |
| Noninterest income | 115,000 | 220,000 | 322,000 | 422,000 |
| Noninterest expense | 748,000 | 1,546,000 | 2,378,000 | 3,338,000 |
| Provision for loan losses | 18,000 | 36,000 | 54,000 | 102,000 |
| Pretax income | 416,000 | 746,000 | 104,000 | 224,000 |
| Income tax | 129,000 | 224,000 | -98,000 | -75,000 |
| Net income | 287,000 | 522,000 | 202,000 | 299,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,257,000 | 11,492,000 | 10,172,000 | 11,237,000 |
| Total capital | 12,095,000 | 12,306,000 | 11,004,000 | 12,093,000 |
| Risk-weighted assets | 85,495,000 | 73,460,000 | 74,834,000 | 75,429,000 |
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