Call reports 2010
EXCHANGE STATE BANK — 2010
What EXCHANGE STATE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 76,134,000 | 76,765,000 | 78,351,000 | 76,712,000 |
| Total loans | 34,900,000 | 33,701,000 | 32,739,000 | 34,246,000 |
| Allowance for loan losses | 508,000 | 573,000 | 606,000 | 500,000 |
| Securities available for sale | 35,820,000 | 34,581,000 | 37,339,000 | 38,227,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,925,000 | 66,528,000 | 67,130,000 | 65,553,000 |
| Interest-bearing deposits | 59,617,000 | 60,203,000 | 61,087,000 | 59,263,000 |
| Noninterest-bearing deposits | 6,308,000 | 6,325,000 | 6,043,000 | 6,290,000 |
| Equity capital | 6,317,000 | 6,456,000 | 6,817,000 | 5,810,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 858,000 | 1,666,000 | 2,494,000 | 3,299,000 |
| Interest expense | 261,000 | 506,000 | 739,000 | 953,000 |
| Net interest income | 597,000 | 1,160,000 | 1,755,000 | 2,346,000 |
| Noninterest income | 75,000 | 111,000 | 199,000 | 275,000 |
| Noninterest expense | 406,000 | 796,000 | 1,206,000 | 1,643,000 |
| Provision for loan losses | 60,000 | 125,000 | 184,000 | 357,000 |
| Pretax income | 264,000 | 533,000 | 820,000 | 922,000 |
| Income tax | 0 | 0 | 8,000 | 13,000 |
| Net income | 264,000 | 533,000 | 812,000 | 909,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,504,000 | 5,658,000 | 5,822,000 | 5,709,000 |
| Total capital | 6,012,000 | 6,198,000 | 6,360,000 | 6,209,000 |
| Risk-weighted assets | 44,001,000 | 43,172,000 | 42,936,000 | 42,944,000 |