Call reports 2004
EXCHANGE STATE BANK — 2004
What EXCHANGE STATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 55,041,000 | 57,474,000 | 54,326,000 | 54,451,000 |
| Total loans | 28,320,000 | 28,465,000 | 28,253,000 | 27,918,000 |
| Allowance for loan losses | 608,000 | 648,000 | 795,000 | 604,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 17,646,000 | 19,227,000 | 18,921,000 | 17,851,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,287,000 | 50,382,000 | 47,802,000 | 48,891,000 |
| Interest-bearing deposits | 45,910,000 | 45,610,000 | 43,969,000 | 44,887,000 |
| Noninterest-bearing deposits | 3,377,000 | 4,772,000 | 3,833,000 | 4,004,000 |
| Equity capital | 3,740,000 | 3,853,000 | 3,264,000 | 3,487,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 670,000 | 1,337,000 | 2,022,000 | 2,692,000 |
| Interest expense | 203,000 | 390,000 | 568,000 | 761,000 |
| Net interest income | 467,000 | 947,000 | 1,454,000 | 1,931,000 |
| Noninterest income | 67,000 | 149,000 | 238,000 | 302,000 |
| Noninterest expense | 411,000 | 806,000 | 1,745,000 | 2,125,000 |
| Provision for loan losses | 45,000 | 90,000 | 235,000 | 280,000 |
| Pretax income | 78,000 | 200,000 | -288,000 | -172,000 |
| Income tax | 10,000 | 19,000 | 19,000 | -87,000 |
| Net income | 68,000 | 181,000 | -307,000 | -85,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,740,000 | 3,853,000 | 3,264,000 | 3,487,000 |
| Total capital | 4,101,000 | 4,222,000 | 3,624,000 | 3,813,000 |
| Risk-weighted assets | 28,642,000 | 29,236,000 | 28,403,000 | 25,853,000 |