Call reports 2003
EXCHANGE STATE BANK — 2003
What EXCHANGE STATE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 58,478,000 | 59,348,000 | 60,617,000 | 60,977,000 |
| Total loans | 29,557,000 | 29,922,000 | 30,326,000 | 29,720,000 |
| Allowance for loan losses | 346,000 | 408,000 | 416,000 | 422,000 |
| Securities available for sale | 22,844,000 | 22,331,000 | 25,643,000 | 22,903,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,681,000 | 53,581,000 | 55,146,000 | 55,582,000 |
| Interest-bearing deposits | 48,767,000 | 49,293,000 | 50,716,000 | 50,473,000 |
| Noninterest-bearing deposits | 3,914,000 | 4,288,000 | 4,430,000 | 5,109,000 |
| Equity capital | 4,780,000 | 4,756,000 | 4,472,000 | 4,525,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 740,000 | 1,455,000 | 2,164,000 | 2,901,000 |
| Interest expense | 312,000 | 602,000 | 877,000 | 1,132,000 |
| Net interest income | 428,000 | 853,000 | 1,287,000 | 1,769,000 |
| Noninterest income | 36,000 | 70,000 | 111,000 | 162,000 |
| Noninterest expense | 336,000 | 653,000 | 980,000 | 1,312,000 |
| Provision for loan losses | 0 | 60,000 | 66,000 | 172,000 |
| Pretax income | 210,000 | 386,000 | 528,000 | 649,000 |
| Income tax | 2,000 | 4,000 | 6,000 | 8,000 |
| Net income | 208,000 | 382,000 | 522,000 | 641,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,231,000 | 4,298,000 | 4,332,000 | 4,326,000 |
| Total capital | 4,577,000 | 4,706,000 | 4,748,000 | 4,748,000 |
| Risk-weighted assets | 33,890,000 | 34,858,000 | 35,922,000 | 34,622,000 |
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