Call reports 2014
EXCHANGE STATE BANK — 2014
What EXCHANGE STATE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 85,523,000 | 85,819,000 | 90,427,000 | 92,821,000 |
| Total loans | 34,443,000 | 35,113,000 | 35,577,000 | 39,885,000 |
| Allowance for loan losses | 797,000 | 805,000 | 811,000 | 877,000 |
| Securities available for sale | 47,843,000 | 46,306,000 | 48,435,000 | 48,853,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,879,000 | 74,298,000 | 77,988,000 | 76,166,000 |
| Interest-bearing deposits | 66,992,000 | 66,535,000 | 70,246,000 | 67,471,000 |
| Noninterest-bearing deposits | 6,887,000 | 7,763,000 | 7,742,000 | 8,695,000 |
| Equity capital | 8,048,000 | 8,741,000 | 9,110,000 | 9,392,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 754,000 | 1,507,000 | 2,250,000 | 3,013,000 |
| Interest expense | 109,000 | 228,000 | 350,000 | 475,000 |
| Net interest income | 645,000 | 1,279,000 | 1,900,000 | 2,538,000 |
| Noninterest income | 66,000 | 121,000 | 191,000 | 280,000 |
| Noninterest expense | 454,000 | 903,000 | 1,370,000 | 1,969,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 224,000 | 526,000 | 822,000 | 959,000 |
| Income tax | 4,000 | 8,000 | 12,000 | 22,000 |
| Net income | 220,000 | 518,000 | 810,000 | 937,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,842,000 | 8,076,000 | 8,300,000 | 8,351,000 |
| Total capital | 8,427,000 | 8,661,000 | 8,888,000 | 8,984,000 |
| Risk-weighted assets | 46,557,000 | 46,604,000 | 46,858,000 | 50,430,000 |