Call reports 2008
EXCHANGE STATE BANK — 2008
What EXCHANGE STATE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 89,007,000 | 86,943,000 | 88,562,000 | 98,863,000 |
| Total loans | 56,596,000 | 57,960,000 | 57,942,000 | 61,807,000 |
| Allowance for loan losses | 538,000 | 554,000 | 568,000 | 580,000 |
| Securities available for sale | 10,988,000 | 10,759,000 | 10,754,000 | 10,121,000 |
| Securities held to maturity | 5,031,000 | 5,032,000 | 5,208,000 | 5,046,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,143,000 | 74,156,000 | 75,521,000 | 85,712,000 |
| Interest-bearing deposits | 66,517,000 | 65,020,000 | 66,426,000 | 73,377,000 |
| Noninterest-bearing deposits | 9,626,000 | 9,136,000 | 9,095,000 | 12,335,000 |
| Equity capital | 8,301,000 | 8,269,000 | 8,592,000 | 8,664,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,312,000 | 2,557,000 | 3,790,000 | 4,957,000 |
| Interest expense | 613,000 | 1,137,000 | 1,623,000 | 2,119,000 |
| Net interest income | 699,000 | 1,420,000 | 2,167,000 | 2,838,000 |
| Noninterest income | 60,000 | 126,000 | 207,000 | 300,000 |
| Noninterest expense | 413,000 | 933,000 | 1,432,000 | 2,093,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 160,000 |
| Pretax income | 344,000 | 599,000 | 913,000 | 904,000 |
| Income tax | 28,000 | 29,000 | 29,000 | 32,000 |
| Net income | 316,000 | 570,000 | 884,000 | 872,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,592,000 | 7,714,000 | 8,008,000 | 7,957,000 |
| Total capital | 8,130,000 | 8,268,000 | 8,576,000 | 8,537,000 |
| Risk-weighted assets | 63,665,000 | 64,037,000 | 64,812,000 | 73,772,000 |