Call reports 2003
EXCHANGE STATE BANK — 2003
What EXCHANGE STATE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 35,567,000 | 35,435,000 | 36,128,000 | 38,134,000 |
| Total loans | 24,853,000 | 25,287,000 | 24,639,000 | 24,466,000 |
| Allowance for loan losses | 442,000 | 444,000 | 437,000 | 447,000 |
| Securities available for sale | 5,632,000 | 6,738,000 | 8,892,000 | 9,361,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,577,000 | 28,431,000 | 28,563,000 | 30,543,000 |
| Interest-bearing deposits | 25,185,000 | 25,060,000 | 24,741,000 | 26,188,000 |
| Noninterest-bearing deposits | 3,392,000 | 3,371,000 | 3,822,000 | 4,355,000 |
| Equity capital | 2,583,000 | 2,659,000 | 2,648,000 | 2,676,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 550,000 | 1,099,000 | 1,633,000 | 2,169,000 |
| Interest expense | 223,000 | 437,000 | 644,000 | 847,000 |
| Net interest income | 327,000 | 662,000 | 989,000 | 1,322,000 |
| Noninterest income | 67,000 | 152,000 | 231,000 | 307,000 |
| Noninterest expense | 261,000 | 540,000 | 818,000 | 1,152,000 |
| Provision for loan losses | 9,000 | 18,000 | 27,000 | 36,000 |
| Pretax income | 124,000 | 256,000 | 375,000 | 441,000 |
| Income tax | 33,000 | 68,000 | 98,000 | 96,000 |
| Net income | 91,000 | 188,000 | 277,000 | 345,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,512,000 | 2,610,000 | 2,659,000 | 2,648,000 |
| Total capital | 2,868,000 | 2,954,000 | 2,988,000 | 2,977,000 |
| Risk-weighted assets | 28,391,000 | 27,414,000 | 26,210,000 | 26,240,000 |