Call reports 2008
EXCHANGE STATE BANK — 2008
What EXCHANGE STATE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 61,294,000 | 62,490,000 | 60,413,000 | 63,583,000 |
| Total loans | 30,767,000 | 30,131,000 | 29,668,000 | 30,650,000 |
| Allowance for loan losses | 484,000 | 495,000 | 495,000 | 485,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 20,635,000 | 20,932,000 | 21,478,000 | 21,886,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,049,000 | 54,285,000 | 52,748,000 | 56,114,000 |
| Interest-bearing deposits | 48,933,000 | 48,319,000 | 48,395,000 | 50,447,000 |
| Noninterest-bearing deposits | 5,116,000 | 5,966,000 | 4,353,000 | 5,667,000 |
| Equity capital | 3,818,000 | 3,899,000 | 3,975,000 | 4,045,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 951,000 | 1,849,000 | 2,734,000 | 3,620,000 |
| Interest expense | 454,000 | 867,000 | 1,264,000 | 1,648,000 |
| Net interest income | 497,000 | 982,000 | 1,470,000 | 1,972,000 |
| Noninterest income | 64,000 | 129,000 | 195,000 | 253,000 |
| Noninterest expense | 375,000 | 738,000 | 1,116,000 | 1,526,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 186,000 | 373,000 | 549,000 | 699,000 |
| Income tax | 38,000 | 99,000 | 154,000 | 189,000 |
| Net income | 148,000 | 274,000 | 395,000 | 510,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,818,000 | 3,899,000 | 3,975,000 | 4,045,000 |
| Total capital | 4,207,000 | 4,293,000 | 4,367,000 | 4,457,000 |
| Risk-weighted assets | 32,668,000 | 33,397,000 | 33,298,000 | 35,320,000 |