Call reports 2004
EXCHANGE STATE BANK — 2004
What EXCHANGE STATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 38,830,000 | 41,175,000 | 39,910,000 | 41,686,000 |
| Total loans | 25,932,000 | 29,035,000 | 29,745,000 | 30,428,000 |
| Allowance for loan losses | 462,000 | 473,000 | 502,000 | 509,000 |
| Securities available for sale | 9,764,000 | 9,339,000 | 8,008,000 | 8,111,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,926,000 | 29,726,000 | 29,298,000 | 32,636,000 |
| Interest-bearing deposits | 25,924,000 | 25,685,000 | 25,549,000 | 27,650,000 |
| Noninterest-bearing deposits | 4,002,000 | 4,041,000 | 3,749,000 | 4,986,000 |
| Equity capital | 2,757,000 | 2,693,000 | 2,821,000 | 2,843,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 518,000 | 1,081,000 | 1,658,000 | 2,248,000 |
| Interest expense | 194,000 | 389,000 | 596,000 | 809,000 |
| Net interest income | 324,000 | 692,000 | 1,062,000 | 1,439,000 |
| Noninterest income | 62,000 | 153,000 | 226,000 | 302,000 |
| Noninterest expense | 283,000 | 577,000 | 870,000 | 1,220,000 |
| Provision for loan losses | 9,000 | 20,000 | 34,000 | 38,000 |
| Pretax income | 99,000 | 258,000 | 393,000 | 492,000 |
| Income tax | 21,000 | 61,000 | 94,000 | 119,000 |
| Net income | 78,000 | 197,000 | 299,000 | 373,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,681,000 | 2,767,000 | 2,830,000 | 2,865,000 |
| Total capital | 3,016,000 | 3,140,000 | 3,197,000 | 3,254,000 |
| Risk-weighted assets | 26,691,000 | 29,685,000 | 29,242,000 | 31,005,000 |