Call reports 2005
EXCHANGE STATE BANK — 2005
What EXCHANGE STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 59,918,000 | 58,888,000 | 60,512,000 | 61,058,000 |
| Total loans | 32,139,000 | 31,867,000 | 31,812,000 | 33,183,000 |
| Allowance for loan losses | 369,000 | 375,000 | 379,000 | 315,000 |
| Securities available for sale | 23,034,000 | 22,040,000 | 23,160,000 | 23,700,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,974,000 | 52,643,000 | 55,365,000 | 55,604,000 |
| Interest-bearing deposits | 48,509,000 | 48,130,000 | 50,683,000 | 49,957,000 |
| Noninterest-bearing deposits | 4,465,000 | 4,513,000 | 4,682,000 | 5,647,000 |
| Equity capital | 4,209,000 | 4,472,000 | 4,341,000 | 4,090,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 761,000 | 1,537,000 | 2,320,000 | 3,120,000 |
| Interest expense | 257,000 | 542,000 | 868,000 | 1,218,000 |
| Net interest income | 504,000 | 995,000 | 1,452,000 | 1,902,000 |
| Noninterest income | 47,000 | 102,000 | 159,000 | 208,000 |
| Noninterest expense | 355,000 | 697,000 | 1,053,000 | 1,438,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 24,000 |
| Pretax income | 200,000 | 399,000 | 551,000 | 659,000 |
| Income tax | 2,000 | 4,000 | 5,000 | 4,000 |
| Net income | 198,000 | 395,000 | 546,000 | 655,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,468,000 | 4,554,000 | 4,573,000 | 4,582,000 |
| Total capital | 4,837,000 | 4,929,000 | 4,952,000 | 4,897,000 |
| Risk-weighted assets | 33,759,000 | 33,290,000 | 34,370,000 | 35,109,000 |