Call reports 2013
EXCHANGE STATE BANK — 2013
What EXCHANGE STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 68,261,000 | 66,559,000 | 66,841,000 | 66,750,000 |
| Total loans | 29,748,000 | 30,622,000 | 30,850,000 | 30,039,000 |
| Allowance for loan losses | 653,000 | 672,000 | 670,000 | 546,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 24,578,000 | 25,125,000 | 26,002,000 | 25,306,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,722,000 | 55,058,000 | 55,747,000 | 54,819,000 |
| Interest-bearing deposits | 50,886,000 | 50,246,000 | 48,879,000 | 48,859,000 |
| Noninterest-bearing deposits | 6,836,000 | 4,812,000 | 6,868,000 | 5,960,000 |
| Equity capital | 5,554,000 | 5,432,000 | 5,503,000 | 5,520,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 633,000 | 1,256,000 | 1,900,000 | 2,536,000 |
| Interest expense | 96,000 | 193,000 | 284,000 | 381,000 |
| Net interest income | 537,000 | 1,063,000 | 1,616,000 | 2,155,000 |
| Noninterest income | 51,000 | 100,000 | 146,000 | 197,000 |
| Noninterest expense | 470,000 | 932,000 | 1,405,000 | 2,029,000 |
| Provision for loan losses | 20,000 | 40,000 | 40,000 | 40,000 |
| Pretax income | 98,000 | 191,000 | 317,000 | 283,000 |
| Income tax | 9,000 | 17,000 | 27,000 | -10,000 |
| Net income | 89,000 | 174,000 | 290,000 | 293,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,554,000 | 5,432,000 | 5,503,000 | 5,520,000 |
| Total capital | 5,982,000 | 5,847,000 | 5,918,000 | 5,938,000 |
| Risk-weighted assets | 34,807,000 | 34,946,000 | 35,006,000 | 33,850,000 |