Call reports 2008
EXCHANGE STATE BANK — 2008
What EXCHANGE STATE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 67,603,000 | 67,654,000 | 71,403,000 | 71,456,000 |
| Total loans | 33,172,000 | 32,952,000 | 32,952,000 | 35,561,000 |
| Allowance for loan losses | 310,000 | 323,000 | 399,000 | 344,000 |
| Securities available for sale | 27,009,000 | 29,126,000 | 31,407,000 | 32,364,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,930,000 | 61,079,000 | 64,145,000 | 62,140,000 |
| Interest-bearing deposits | 55,698,000 | 55,876,000 | 59,247,000 | 56,328,000 |
| Noninterest-bearing deposits | 5,232,000 | 5,203,000 | 4,898,000 | 5,812,000 |
| Equity capital | 5,099,000 | 4,360,000 | 5,121,000 | 5,761,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 947,000 | 1,866,000 | 2,808,000 | 3,706,000 |
| Interest expense | 510,000 | 980,000 | 1,415,000 | 1,821,000 |
| Net interest income | 437,000 | 886,000 | 1,393,000 | 1,885,000 |
| Noninterest income | 48,000 | 110,000 | 158,000 | 208,000 |
| Noninterest expense | 343,000 | 684,000 | 1,022,000 | 1,361,000 |
| Provision for loan losses | 60,000 | 73,000 | 149,000 | 448,000 |
| Pretax income | 181,000 | 339,000 | 480,000 | 406,000 |
| Income tax | 1,000 | 3,000 | 4,000 | 7,000 |
| Net income | 180,000 | 336,000 | 476,000 | 399,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,970,000 | 5,027,000 | 5,090,000 | 5,014,000 |
| Total capital | 5,280,000 | 5,350,000 | 5,489,000 | 5,358,000 |
| Risk-weighted assets | 40,951,000 | 41,217,000 | 41,480,000 | 42,939,000 |