Call reports 2014
EXCHANGE STATE BANK — 2014
What EXCHANGE STATE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 67,637,000 | 68,894,000 | 69,466,000 | 67,275,000 |
| Total loans | 29,369,000 | 29,123,000 | 29,660,000 | 30,018,000 |
| Allowance for loan losses | 546,000 | 391,000 | 336,000 | 361,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 25,540,000 | 26,179,000 | 27,072,000 | 25,493,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,976,000 | 58,175,000 | 58,374,000 | 56,550,000 |
| Interest-bearing deposits | 50,391,000 | 51,890,000 | 53,095,000 | 51,549,000 |
| Noninterest-bearing deposits | 6,585,000 | 6,284,000 | 5,279,000 | 5,001,000 |
| Equity capital | 5,575,000 | 5,559,000 | 5,812,000 | 5,791,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 599,000 | 1,204,000 | 1,815,000 | 2,421,000 |
| Interest expense | 82,000 | 168,000 | 251,000 | 342,000 |
| Net interest income | 517,000 | 1,036,000 | 1,564,000 | 2,079,000 |
| Noninterest income | 42,000 | 84,000 | 411,000 | 453,000 |
| Noninterest expense | 454,000 | 906,000 | 1,411,000 | 1,851,000 |
| Provision for loan losses | 0 | 0 | 0 | 70,000 |
| Pretax income | 105,000 | 214,000 | 564,000 | 611,000 |
| Income tax | 5,000 | 25,000 | 114,000 | 138,000 |
| Net income | 100,000 | 189,000 | 450,000 | 473,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,575,000 | 5,559,000 | 5,812,000 | 5,791,000 |
| Total capital | 5,978,000 | 5,950,000 | 6,148,000 | 6,152,000 |
| Risk-weighted assets | 32,627,000 | 32,988,000 | 33,325,000 | 33,288,000 |