Call reports 2002
EXCHANGE STATE BANK — 2002
What EXCHANGE STATE BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 52,852,000 | 51,576,000 | 51,145,000 | 53,668,000 |
| Total loans | 35,776,000 | 34,507,000 | 33,234,000 | 31,486,000 |
| Allowance for loan losses | 759,000 | 729,000 | 785,000 | 682,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 7,546,000 | 7,668,000 | 7,316,000 | 9,766,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,379,000 | 47,505,000 | 46,994,000 | 49,125,000 |
| Interest-bearing deposits | 45,742,000 | 43,642,000 | 43,530,000 | 44,036,000 |
| Noninterest-bearing deposits | 2,637,000 | 3,863,000 | 3,464,000 | 5,089,000 |
| Equity capital | 3,848,000 | 3,421,000 | 3,492,000 | 3,535,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 862,000 | 1,725,000 | 2,511,000 | 3,280,000 |
| Interest expense | 353,000 | 655,000 | 949,000 | 1,232,000 |
| Net interest income | 509,000 | 1,070,000 | 1,562,000 | 2,048,000 |
| Noninterest income | 81,000 | 35,000 | 147,000 | 200,000 |
| Noninterest expense | 413,000 | 892,000 | 1,446,000 | 1,766,000 |
| Provision for loan losses | 64,000 | 384,000 | 495,000 | 550,000 |
| Pretax income | 113,000 | -171,000 | -232,000 | -113,000 |
| Income tax | 12,000 | 55,000 | -77,000 | 0 |
| Net income | 101,000 | -226,000 | -155,000 | -113,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,848,000 | 3,421,000 | 3,492,000 | 3,535,000 |
| Total capital | 4,288,000 | 3,807,000 | 3,885,000 | 3,934,000 |
| Risk-weighted assets | 34,851,000 | 30,644,000 | 30,970,000 | 31,511,000 |