Call reports 2005
EXCHANGE STATE BANK — 2005
What EXCHANGE STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 66,117,000 | 66,469,000 | 66,931,000 | 69,590,000 |
| Total loans | 43,680,000 | 46,533,000 | 45,957,000 | 49,586,000 |
| Allowance for loan losses | 305,000 | 308,000 | 323,000 | 338,000 |
| Securities available for sale | 10,964,000 | 10,886,000 | 10,269,000 | 9,545,000 |
| Securities held to maturity | 3,057,000 | 3,036,000 | 3,035,000 | 3,440,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,333,000 | 51,310,000 | 52,091,000 | 57,028,000 |
| Interest-bearing deposits | 46,948,000 | 46,536,000 | 46,755,000 | 48,585,000 |
| Noninterest-bearing deposits | 5,385,000 | 4,774,000 | 5,336,000 | 8,443,000 |
| Equity capital | 6,116,000 | 6,294,000 | 6,435,000 | 6,593,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 840,000 | 1,707,000 | 2,589,000 | 3,513,000 |
| Interest expense | 278,000 | 591,000 | 934,000 | 1,279,000 |
| Net interest income | 562,000 | 1,116,000 | 1,655,000 | 2,234,000 |
| Noninterest income | 20,000 | 54,000 | 82,000 | 117,000 |
| Noninterest expense | 300,000 | 621,000 | 952,000 | 1,318,000 |
| Provision for loan losses | 0 | 5,000 | 20,000 | 35,000 |
| Pretax income | 281,000 | 540,000 | 765,000 | 998,000 |
| Income tax | 98,000 | 190,000 | 268,000 | 331,000 |
| Net income | 183,000 | 350,000 | 497,000 | 667,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,701,000 | 5,868,000 | 6,013,000 | 6,184,000 |
| Total capital | 6,006,000 | 6,176,000 | 6,336,000 | 6,522,000 |
| Risk-weighted assets | 46,310,000 | 48,893,000 | 48,226,000 | 52,094,000 |