Call reports 2005
EXCHANGE STATE BANK — 2005
What EXCHANGE STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 56,541,000 | 55,832,000 | 54,981,000 | 56,297,000 |
| Total loans | 28,682,000 | 28,153,000 | 28,045,000 | 26,927,000 |
| Allowance for loan losses | 622,000 | 636,000 | 636,000 | 609,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 18,793,000 | 19,610,000 | 19,708,000 | 19,595,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,997,000 | 48,879,000 | 48,332,000 | 49,637,000 |
| Interest-bearing deposits | 46,068,000 | 43,940,000 | 44,110,000 | 43,671,000 |
| Noninterest-bearing deposits | 4,929,000 | 4,939,000 | 4,222,000 | 5,966,000 |
| Equity capital | 3,605,000 | 3,600,000 | 3,721,000 | 3,558,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 665,000 | 1,346,000 | 2,056,000 | 2,691,000 |
| Interest expense | 205,000 | 449,000 | 710,000 | 1,005,000 |
| Net interest income | 460,000 | 897,000 | 1,346,000 | 1,686,000 |
| Noninterest income | 64,000 | 130,000 | 198,000 | 370,000 |
| Noninterest expense | 396,000 | 764,000 | 1,160,000 | 1,566,000 |
| Provision for loan losses | 10,000 | 10,000 | 10,000 | 243,000 |
| Pretax income | 118,000 | 253,000 | 374,000 | 247,000 |
| Income tax | 0 | 40,000 | 40,000 | 76,000 |
| Net income | 118,000 | 213,000 | 334,000 | 171,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,605,000 | 3,600,000 | 3,721,000 | 3,558,000 |
| Total capital | 3,942,000 | 3,932,000 | 4,054,000 | 3,894,000 |
| Risk-weighted assets | 27,095,000 | 26,787,000 | 26,899,000 | 27,169,000 |