Call reports 2007
EXCHANGE STATE BANK — 2007
What EXCHANGE STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 73,054,000 | 73,139,000 | 73,005,000 | 85,413,000 |
| Total loans | 55,747,000 | 53,155,000 | 53,844,000 | 59,109,000 |
| Allowance for loan losses | 415,000 | 430,000 | 445,000 | 521,000 |
| Securities available for sale | 7,160,000 | 6,890,000 | 7,987,000 | 11,562,000 |
| Securities held to maturity | 3,200,000 | 3,971,000 | 5,253,000 | 5,131,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,836,000 | 61,660,000 | 61,864,000 | 74,201,000 |
| Interest-bearing deposits | 55,732,000 | 55,858,000 | 50,068,000 | 64,711,000 |
| Noninterest-bearing deposits | 6,104,000 | 5,802,000 | 11,796,000 | 9,490,000 |
| Equity capital | 7,716,000 | 7,860,000 | 8,064,000 | 8,095,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,144,000 | 2,314,000 | 3,523,000 | 4,842,000 |
| Interest expense | 573,000 | 1,172,000 | 1,789,000 | 2,421,000 |
| Net interest income | 571,000 | 1,142,000 | 1,734,000 | 2,421,000 |
| Noninterest income | 48,000 | 101,000 | 158,000 | 235,000 |
| Noninterest expense | 320,000 | 661,000 | 1,050,000 | 1,557,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 284,000 | 552,000 | 797,000 | 1,021,000 |
| Income tax | -5,000 | -5,000 | -5,000 | -5,000 |
| Net income | 289,000 | 557,000 | 802,000 | 1,026,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,258,000 | 7,427,000 | 7,569,000 | 7,514,000 |
| Total capital | 7,673,000 | 7,857,000 | 8,014,000 | 8,035,000 |
| Risk-weighted assets | 57,715,000 | 55,920,000 | 56,814,000 | 67,591,000 |