Call reports 2006
EXCHANGE STATE BANK — 2006
What EXCHANGE STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 54,544,000 | 56,024,000 | 56,273,000 | 56,425,000 |
| Total loans | 27,782,000 | 28,761,000 | 28,978,000 | 29,622,000 |
| Allowance for loan losses | 615,000 | 582,000 | 586,000 | 514,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 19,877,000 | 20,283,000 | 20,241,000 | 19,040,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,014,000 | 49,570,000 | 49,803,000 | 50,483,000 |
| Interest-bearing deposits | 43,263,000 | 45,191,000 | 45,862,000 | 46,473,000 |
| Noninterest-bearing deposits | 4,751,000 | 4,379,000 | 3,941,000 | 4,009,000 |
| Equity capital | 3,508,000 | 3,608,000 | 3,523,000 | 3,559,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 684,000 | 1,432,000 | 2,232,000 | 3,072,000 |
| Interest expense | 311,000 | 684,000 | 1,096,000 | 1,534,000 |
| Net interest income | 373,000 | 748,000 | 1,136,000 | 1,538,000 |
| Noninterest income | 69,000 | 150,000 | 235,000 | 306,000 |
| Noninterest expense | 392,000 | 788,000 | 1,155,000 | 1,526,000 |
| Provision for loan losses | 0 | -50,000 | -50,000 | -50,000 |
| Pretax income | 50,000 | 160,000 | 266,000 | 368,000 |
| Income tax | 0 | 10,000 | 48,000 | 81,000 |
| Net income | 50,000 | 150,000 | 218,000 | 287,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,508,000 | 3,608,000 | 3,523,000 | 3,559,000 |
| Total capital | 3,850,000 | 3,963,000 | 3,879,000 | 3,927,000 |
| Risk-weighted assets | 27,552,000 | 28,722,000 | 29,008,000 | 30,020,000 |