Call reports 2006
EXCHANGE STATE BANK — 2006
What EXCHANGE STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 59,653,000 | 59,992,000 | 60,941,000 | 63,755,000 |
| Total loans | 33,320,000 | 33,491,000 | 34,208,000 | 32,978,000 |
| Allowance for loan losses | 318,000 | 323,000 | 330,000 | 293,000 |
| Securities available for sale | 22,479,000 | 21,619,000 | 21,330,000 | 20,847,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,927,000 | 52,571,000 | 55,209,000 | 58,076,000 |
| Interest-bearing deposits | 47,448,000 | 47,680,000 | 50,259,000 | 53,022,000 |
| Noninterest-bearing deposits | 4,479,000 | 4,891,000 | 4,950,000 | 5,054,000 |
| Equity capital | 4,011,000 | 3,656,000 | 4,054,000 | 4,229,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 816,000 | 1,672,000 | 2,581,000 | 3,512,000 |
| Interest expense | 372,000 | 795,000 | 1,268,000 | 1,781,000 |
| Net interest income | 444,000 | 877,000 | 1,313,000 | 1,731,000 |
| Noninterest income | 53,000 | 109,000 | 169,000 | 214,000 |
| Noninterest expense | 377,000 | 742,000 | 1,096,000 | 1,430,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 54,000 |
| Pretax income | 114,000 | 232,000 | 368,000 | 461,000 |
| Income tax | 1,000 | 2,000 | 3,000 | 5,000 |
| Net income | 113,000 | 230,000 | 365,000 | 456,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,600,000 | 4,622,000 | 4,671,000 | 4,722,000 |
| Total capital | 4,918,000 | 4,945,000 | 5,001,000 | 5,015,000 |
| Risk-weighted assets | 34,790,000 | 38,084,000 | 38,603,000 | 38,703,000 |