Call reports 2003
EXCHANGE STATE BANK — 2003
What EXCHANGE STATE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 36,544,000 | 36,210,000 | 36,960,000 | 37,054,000 |
| Total loans | 25,512,000 | 25,349,000 | 26,808,000 | 29,170,000 |
| Allowance for loan losses | 183,000 | 183,000 | 182,000 | 182,000 |
| Securities available for sale | 3,213,000 | 2,763,000 | 2,168,000 | 1,458,000 |
| Securities held to maturity | 2,009,000 | 2,593,000 | 2,966,000 | 3,171,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,892,000 | 26,930,000 | 26,770,000 | 26,252,000 |
| Interest-bearing deposits | 23,749,000 | 23,615,000 | 23,602,000 | 23,136,000 |
| Noninterest-bearing deposits | 3,143,000 | 3,315,000 | 3,168,000 | 3,116,000 |
| Equity capital | 3,707,000 | 3,422,000 | 3,508,000 | 3,619,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 518,000 | 1,046,000 | 1,557,000 | 2,122,000 |
| Interest expense | 230,000 | 435,000 | 629,000 | 810,000 |
| Net interest income | 288,000 | 611,000 | 928,000 | 1,312,000 |
| Noninterest income | 24,000 | 34,000 | 54,000 | 76,000 |
| Noninterest expense | 180,000 | 341,000 | 511,000 | 729,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 132,000 | 304,000 | 471,000 | 659,000 |
| Income tax | 41,000 | 93,000 | 144,000 | 215,000 |
| Net income | 91,000 | 211,000 | 327,000 | 444,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,642,000 | 3,361,000 | 3,478,000 | 3,594,000 |
| Total capital | 3,825,000 | 3,544,000 | 3,660,000 | 3,776,000 |
| Risk-weighted assets | 26,421,000 | 26,391,000 | 27,647,000 | 29,105,000 |