Call reports 2003
EXCHANGE STATE BANK — 2003
What EXCHANGE STATE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 53,069,000 | 54,563,000 | 53,927,000 | 55,314,000 |
| Total loans | 30,852,000 | 30,506,000 | 29,316,000 | 28,727,000 |
| Allowance for loan losses | 699,000 | 663,000 | 734,000 | 582,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 10,350,000 | 10,022,000 | 13,613,000 | 16,742,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,712,000 | 49,017,000 | 48,140,000 | 49,601,000 |
| Interest-bearing deposits | 44,069,000 | 44,814,000 | 44,230,000 | 45,246,000 |
| Noninterest-bearing deposits | 3,643,000 | 4,203,000 | 3,910,000 | 4,355,000 |
| Equity capital | 3,626,000 | 3,608,000 | 3,605,000 | 3,672,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 721,000 | 1,416,000 | 2,100,000 | 2,784,000 |
| Interest expense | 251,000 | 483,000 | 701,000 | 916,000 |
| Net interest income | 470,000 | 933,000 | 1,399,000 | 1,868,000 |
| Noninterest income | 65,000 | 156,000 | 255,000 | 334,000 |
| Noninterest expense | 388,000 | 785,000 | 1,204,000 | 1,598,000 |
| Provision for loan losses | 55,000 | 111,000 | 230,000 | 275,000 |
| Pretax income | 92,000 | 193,000 | 220,000 | 329,000 |
| Income tax | 0 | 29,000 | 60,000 | 101,000 |
| Net income | 92,000 | 164,000 | 160,000 | 228,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,626,000 | 3,608,000 | 3,605,000 | 3,672,000 |
| Total capital | 4,016,000 | 3,998,000 | 3,979,000 | 4,043,000 |
| Risk-weighted assets | 30,903,000 | 30,961,000 | 29,554,000 | 29,501,000 |