Call reports 2002
EXCHANGE STATE BANK — 2002
What EXCHANGE STATE BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 31,900,000 | 34,021,000 | 34,884,000 | 34,712,000 |
| Total loans | 22,509,000 | 25,121,000 | 26,828,000 | 26,274,000 |
| Allowance for loan losses | 449,000 | 462,000 | 464,000 | 449,000 |
| Securities available for sale | 7,287,000 | 6,656,000 | 5,687,000 | 4,789,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,369,000 | 26,572,000 | 26,342,000 | 27,968,000 |
| Interest-bearing deposits | 22,932,000 | 23,505,000 | 23,270,000 | 24,226,000 |
| Noninterest-bearing deposits | 3,437,000 | 3,067,000 | 3,072,000 | 3,742,000 |
| Equity capital | 2,310,000 | 2,449,000 | 2,474,000 | 2,538,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 519,000 | 1,110,000 | 1,713,000 | 2,287,000 |
| Interest expense | 226,000 | 471,000 | 716,000 | 954,000 |
| Net interest income | 293,000 | 639,000 | 997,000 | 1,333,000 |
| Noninterest income | 55,000 | 163,000 | 216,000 | 280,000 |
| Noninterest expense | 237,000 | 497,000 | 752,000 | 1,071,000 |
| Provision for loan losses | 9,000 | 18,000 | 27,000 | 36,000 |
| Pretax income | 102,000 | 294,000 | 452,000 | 523,000 |
| Income tax | 26,000 | 86,000 | 136,000 | 144,000 |
| Net income | 76,000 | 208,000 | 316,000 | 379,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,274,000 | 2,366,000 | 2,425,000 | 2,459,000 |
| Total capital | 2,573,000 | 2,690,000 | 2,774,000 | 2,780,000 |
| Risk-weighted assets | 23,755,000 | 25,813,000 | 27,777,000 | 25,561,000 |