Call reports 2013
EXCHANGE STATE BANK — 2013
What EXCHANGE STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 150,213,000 | 146,544,000 | 147,084,000 | 151,850,000 |
| Total loans | 91,835,000 | 90,671,000 | 91,070,000 | 93,047,000 |
| Allowance for loan losses | 1,194,000 | 1,240,000 | 1,285,000 | 1,316,000 |
| Securities available for sale | 36,931,000 | 37,222,000 | 40,471,000 | 41,895,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 135,314,000 | 131,731,000 | 132,039,000 | 136,698,000 |
| Interest-bearing deposits | 108,793,000 | 105,497,000 | 105,348,000 | 105,705,000 |
| Noninterest-bearing deposits | 26,521,000 | 26,234,000 | 26,691,000 | 30,993,000 |
| Equity capital | 14,584,000 | 14,486,000 | 14,714,000 | 14,878,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,416,000 | 2,809,000 | 4,213,000 | 5,628,000 |
| Interest expense | 193,000 | 361,000 | 533,000 | 694,000 |
| Net interest income | 1,223,000 | 2,448,000 | 3,680,000 | 4,934,000 |
| Noninterest income | 173,000 | 325,000 | 460,000 | 591,000 |
| Noninterest expense | 876,000 | 1,740,000 | 2,639,000 | 3,724,000 |
| Provision for loan losses | 45,000 | 90,000 | 123,000 | 153,000 |
| Pretax income | 475,000 | 955,000 | 1,390,000 | 1,660,000 |
| Income tax | 131,000 | 259,000 | 373,000 | 431,000 |
| Net income | 344,000 | 696,000 | 1,017,000 | 1,229,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,078,000 | 14,436,000 | 14,734,000 | 14,906,000 |
| Total capital | 15,272,000 | 15,599,000 | 15,897,000 | 16,069,000 |
| Risk-weighted assets | 94,795,000 | 93,002,000 | 93,790,000 | 95,222,000 |
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