Call reports 2004
EXCHANGE STATE BANK — 2004
What EXCHANGE STATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 35,260,000 | 62,884,000 | 64,421,000 | 66,888,000 |
| Total loans | 27,900,000 | 40,703,000 | 42,534,000 | 45,337,000 |
| Allowance for loan losses | 180,000 | 305,000 | 305,000 | 305,000 |
| Securities available for sale | 787,000 | 12,213,000 | 12,049,000 | 11,393,000 |
| Securities held to maturity | 3,152,000 | 2,950,000 | 2,949,000 | 3,361,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,561,000 | 50,643,000 | 50,914,000 | 53,683,000 |
| Interest-bearing deposits | 22,845,000 | 45,951,000 | 45,916,000 | 47,251,000 |
| Noninterest-bearing deposits | 2,716,000 | 4,692,000 | 4,998,000 | 6,432,000 |
| Equity capital | 3,733,000 | 6,049,000 | 6,251,000 | 6,372,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 505,000 | 1,176,000 | 1,926,000 | 2,719,000 |
| Interest expense | 171,000 | 409,000 | 681,000 | 967,000 |
| Net interest income | 334,000 | 767,000 | 1,245,000 | 1,752,000 |
| Noninterest income | 14,000 | 35,000 | 94,000 | 120,000 |
| Noninterest expense | 184,000 | 456,000 | 743,000 | 1,069,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 164,000 | 346,000 | 596,000 | 803,000 |
| Income tax | 51,000 | 108,000 | 193,000 | 256,000 |
| Net income | 113,000 | 238,000 | 403,000 | 547,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,708,000 | 5,609,000 | 5,768,000 | 5,917,000 |
| Total capital | 3,888,000 | 5,914,000 | 6,073,000 | 6,222,000 |
| Risk-weighted assets | 27,603,000 | 42,619,000 | 45,676,000 | 48,237,000 |