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 | 154,591,000 | 150,610,000 | 150,967,000 | 156,089,000 |
| Total loans | 92,020,000 | 94,312,000 | 97,012,000 | 98,538,000 |
| Allowance for loan losses | 1,341,000 | 1,214,000 | 1,236,000 | 1,236,000 |
| Securities available for sale | 42,749,000 | 42,967,000 | 43,213,000 | 42,896,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 139,161,000 | 134,569,000 | 134,453,000 | 139,392,000 |
| Interest-bearing deposits | 111,279,000 | 106,738,000 | 106,797,000 | 106,864,000 |
| Noninterest-bearing deposits | 27,882,000 | 27,831,000 | 27,656,000 | 32,528,000 |
| Equity capital | 15,184,000 | 15,750,000 | 16,160,000 | 16,402,000 |
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 | 1,381,000 | 2,777,000 | 4,217,000 | 5,667,000 |
| Interest expense | 144,000 | 283,000 | 419,000 | 548,000 |
| Net interest income | 1,237,000 | 2,494,000 | 3,798,000 | 5,119,000 |
| Noninterest income | 116,000 | 188,000 | 368,000 | 523,000 |
| Noninterest expense | 904,000 | 1,809,000 | 2,752,000 | 3,925,000 |
| Provision for loan losses | 23,000 | 45,000 | 68,000 | 75,000 |
| Pretax income | 426,000 | 829,000 | 1,344,000 | 1,649,000 |
| Income tax | 90,000 | 178,000 | 305,000 | 356,000 |
| Net income | 336,000 | 651,000 | 1,039,000 | 1,293,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,193,000 | 15,509,000 | 15,874,000 | 16,120,000 |
| Total capital | 16,356,000 | 16,672,000 | 17,037,000 | 17,283,000 |
| Risk-weighted assets | 96,527,000 | 96,555,000 | 101,108,000 | 102,768,000 |
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