Call reports 2007
EXCHANGE STATE BANK — 2007
What EXCHANGE STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 57,681,000 | 57,760,000 | 57,849,000 | 61,042,000 |
| Total loans | 30,123,000 | 30,638,000 | 29,385,000 | 30,906,000 |
| Allowance for loan losses | 515,000 | 480,000 | 482,000 | 483,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 19,096,000 | 18,694,000 | 19,400,000 | 20,666,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,638,000 | 50,364,000 | 51,793,000 | 54,031,000 |
| Interest-bearing deposits | 47,325,000 | 46,098,000 | 47,916,000 | 48,135,000 |
| Noninterest-bearing deposits | 4,313,000 | 4,266,000 | 3,877,000 | 5,896,000 |
| Equity capital | 3,616,000 | 3,698,000 | 3,761,000 | 3,782,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 855,000 | 1,759,000 | 2,664,000 | 3,602,000 |
| Interest expense | 443,000 | 901,000 | 1,366,000 | 1,838,000 |
| Net interest income | 412,000 | 858,000 | 1,298,000 | 1,764,000 |
| Noninterest income | 74,000 | 152,000 | 227,000 | 304,000 |
| Noninterest expense | 372,000 | 754,000 | 1,104,000 | 1,506,000 |
| Provision for loan losses | 0 | -40,000 | -40,000 | -40,000 |
| Pretax income | 114,000 | 296,000 | 461,000 | 602,000 |
| Income tax | 24,000 | 74,000 | 126,000 | 194,000 |
| Net income | 90,000 | 222,000 | 335,000 | 408,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,616,000 | 3,698,000 | 3,761,000 | 3,782,000 |
| Total capital | 3,992,000 | 4,075,000 | 4,132,000 | 4,167,000 |
| Risk-weighted assets | 31,268,000 | 31,170,000 | 30,710,000 | 32,003,000 |