Call reports 2006
EXCHANGE STATE BANK — 2006
What EXCHANGE STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 68,642,000 | 67,456,000 | 70,888,000 | 73,058,000 |
| Total loans | 51,368,000 | 51,407,000 | 54,090,000 | 54,780,000 |
| Allowance for loan losses | 353,000 | 368,000 | 385,000 | 400,000 |
| Securities available for sale | 8,653,000 | 7,547,000 | 6,888,000 | 7,196,000 |
| Securities held to maturity | 3,285,000 | 3,384,000 | 3,384,000 | 3,318,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,970,000 | 54,695,000 | 57,378,000 | 60,897,000 |
| Interest-bearing deposits | 48,695,000 | 49,321,000 | 51,589,000 | 53,544,000 |
| Noninterest-bearing deposits | 6,275,000 | 5,374,000 | 5,789,000 | 7,353,000 |
| Equity capital | 6,832,000 | 7,150,000 | 7,484,000 | 7,487,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 971,000 | 1,977,000 | 3,031,000 | 4,137,000 |
| Interest expense | 370,000 | 785,000 | 1,256,000 | 1,781,000 |
| Net interest income | 601,000 | 1,192,000 | 1,775,000 | 2,356,000 |
| Noninterest income | 25,000 | 57,000 | 91,000 | 151,000 |
| Noninterest expense | 382,000 | 672,000 | 989,000 | 1,308,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 225,000 | 543,000 | 828,000 | 1,135,000 |
| Income tax | -45,000 | -45,000 | -45,000 | -45,000 |
| Net income | 270,000 | 588,000 | 873,000 | 1,180,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,454,000 | 6,773,000 | 7,062,000 | 7,040,000 |
| Total capital | 6,807,000 | 7,141,000 | 7,447,000 | 7,440,000 |
| Risk-weighted assets | 53,436,000 | 53,705,000 | 57,109,000 | 57,913,000 |