Call reports 2009
EXCHANGE STATE BANK — 2009
What EXCHANGE STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 67,007,000 | 70,777,000 | 77,487,000 | 79,500,000 |
| Total loans | 34,033,000 | 32,786,000 | 32,431,000 | 33,902,000 |
| Allowance for loan losses | 562,000 | 520,000 | 610,000 | 448,000 |
| Securities available for sale | 27,974,000 | 31,326,000 | 36,910,000 | 36,743,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,100,000 | 62,090,000 | 66,826,000 | 68,852,000 |
| Interest-bearing deposits | 52,888,000 | 56,165,000 | 61,280,000 | 61,406,000 |
| Noninterest-bearing deposits | 5,212,000 | 5,925,000 | 5,546,000 | 7,446,000 |
| Equity capital | 5,571,000 | 5,406,000 | 5,976,000 | 6,106,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 849,000 | 1,700,000 | 2,588,000 | 3,505,000 |
| Interest expense | 356,000 | 688,000 | 995,000 | 1,291,000 |
| Net interest income | 493,000 | 1,012,000 | 1,593,000 | 2,214,000 |
| Noninterest income | 61,000 | 154,000 | 230,000 | 300,000 |
| Noninterest expense | 350,000 | 734,000 | 1,113,000 | 1,593,000 |
| Provision for loan losses | 1,263,000 | 1,379,000 | 1,448,000 | 1,587,000 |
| Pretax income | -728,000 | -546,000 | -336,000 | -178,000 |
| Income tax | 2,000 | 4,000 | 6,000 | 2,000 |
| Net income | -730,000 | -550,000 | -342,000 | -180,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,172,000 | 5,222,000 | 5,300,000 | 5,462,000 |
| Total capital | 5,685,000 | 5,742,000 | 5,832,000 | 5,910,000 |
| Risk-weighted assets | 40,980,000 | 41,569,000 | 42,490,000 | 44,945,000 |