Call reports 2009
EXCHANGE STATE BANK — 2009
What EXCHANGE STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 62,613,000 | 64,483,000 | 64,664,000 | 68,123,000 |
| Total loans | 31,003,000 | 30,589,000 | 31,416,000 | 31,697,000 |
| Allowance for loan losses | 485,000 | 459,000 | 512,000 | 460,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 22,004,000 | 22,562,000 | 24,198,000 | 25,864,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,964,000 | 57,031,000 | 56,544,000 | 59,554,000 |
| Interest-bearing deposits | 50,204,000 | 51,578,000 | 50,518,000 | 52,249,000 |
| Noninterest-bearing deposits | 4,760,000 | 5,453,000 | 6,026,000 | 7,305,000 |
| Equity capital | 4,133,000 | 4,152,000 | 4,229,000 | 4,211,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 864,000 | 1,720,000 | 2,582,000 | 3,452,000 |
| Interest expense | 330,000 | 627,000 | 881,000 | 1,132,000 |
| Net interest income | 534,000 | 1,093,000 | 1,701,000 | 2,320,000 |
| Noninterest income | 54,000 | 116,000 | 168,000 | 222,000 |
| Noninterest expense | 391,000 | 832,000 | 1,236,000 | 1,686,000 |
| Provision for loan losses | 0 | 64,000 | 147,000 | 298,000 |
| Pretax income | 197,000 | 313,000 | 486,000 | 558,000 |
| Income tax | 45,000 | 74,000 | 102,000 | 119,000 |
| Net income | 152,000 | 239,000 | 384,000 | 439,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,133,000 | 4,152,000 | 4,229,000 | 4,211,000 |
| Total capital | 4,548,000 | 4,576,000 | 4,655,000 | 4,648,000 |
| Risk-weighted assets | 35,643,000 | 36,470,000 | 36,938,000 | 34,963,000 |