Call reports 2004
EXCHANGE STATE BANK — 2004
What EXCHANGE STATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 59,929,000 | 59,744,000 | 62,038,000 | 64,497,000 |
| Total loans | 32,462,000 | 32,110,000 | 31,543,000 | 31,820,000 |
| Allowance for loan losses | 430,000 | 446,000 | 304,000 | 363,000 |
| Securities available for sale | 24,699,000 | 23,875,000 | 24,039,000 | 23,629,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,801,000 | 52,871,000 | 54,465,000 | 57,115,000 |
| Interest-bearing deposits | 48,485,000 | 48,287,000 | 50,048,000 | 51,642,000 |
| Noninterest-bearing deposits | 4,316,000 | 4,584,000 | 4,417,000 | 5,473,000 |
| Equity capital | 4,805,000 | 4,059,000 | 4,745,000 | 4,583,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 743,000 | 1,492,000 | 2,270,000 | 3,010,000 |
| Interest expense | 230,000 | 459,000 | 697,000 | 949,000 |
| Net interest income | 513,000 | 1,033,000 | 1,573,000 | 2,061,000 |
| Noninterest income | 39,000 | 77,000 | 111,000 | 189,000 |
| Noninterest expense | 334,000 | 651,000 | 973,000 | 1,359,000 |
| Provision for loan losses | 9,000 | 27,000 | 60,000 | 120,000 |
| Pretax income | 209,000 | 434,000 | 647,000 | 767,000 |
| Income tax | 2,000 | 4,000 | 5,000 | 6,000 |
| Net income | 207,000 | 430,000 | 642,000 | 761,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,371,000 | 4,431,000 | 4,478,000 | 4,439,000 |
| Total capital | 4,801,000 | 4,853,000 | 4,782,000 | 4,802,000 |
| Risk-weighted assets | 36,412,000 | 33,715,000 | 33,513,000 | 34,965,000 |
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