Call reports 2014
EXCHANGE STATE BANK — 2014
What EXCHANGE STATE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 152,790,000 | 151,545,000 | 149,196,000 | 153,757,000 |
| Total loans | 107,649,000 | 107,211,000 | 106,271,000 | 113,883,000 |
| Allowance for loan losses | 876,000 | 923,000 | 954,000 | 963,000 |
| Securities available for sale | 14,802,000 | 15,519,000 | 12,248,000 | 10,957,000 |
| Securities held to maturity | 15,026,000 | 15,892,000 | 15,325,000 | 15,189,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 130,750,000 | 127,208,000 | 126,678,000 | 129,165,000 |
| Interest-bearing deposits | 108,359,000 | 106,335,000 | 105,144,000 | 104,153,000 |
| Noninterest-bearing deposits | 22,391,000 | 20,873,000 | 21,534,000 | 25,012,000 |
| Equity capital | 13,755,000 | 14,060,000 | 14,212,000 | 14,354,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,397,000 | 2,857,000 | 4,292,000 | 5,744,000 |
| Interest expense | 218,000 | 431,000 | 651,000 | 861,000 |
| Net interest income | 1,179,000 | 2,426,000 | 3,641,000 | 4,883,000 |
| Noninterest income | 10,000 | 87,000 | 133,000 | 98,000 |
| Noninterest expense | 743,000 | 1,552,000 | 2,373,000 | 3,156,000 |
| Provision for loan losses | 45,000 | 90,000 | 140,000 | 180,000 |
| Pretax income | 406,000 | 876,000 | 1,287,000 | 1,673,000 |
| Income tax | 5,000 | 9,000 | 9,000 | 14,000 |
| Net income | 401,000 | 867,000 | 1,278,000 | 1,659,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,369,000 | 13,634,000 | 13,844,000 | 13,963,000 |
| Total capital | 14,245,000 | 14,557,000 | 14,798,000 | 14,926,000 |
| Risk-weighted assets | 119,657,000 | 118,067,000 | 117,687,000 | 125,225,000 |