Call reports 2005
EXCHANGE STATE BANK — 2005
What EXCHANGE STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 42,978,000 | 43,257,000 | 45,476,000 | 44,942,000 |
| Total loans | 31,360,000 | 33,100,000 | 35,448,000 | 35,216,000 |
| Allowance for loan losses | 515,000 | 523,000 | 545,000 | 496,000 |
| Securities available for sale | 8,538,000 | 8,203,000 | 7,981,000 | 7,516,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,705,000 | 30,931,000 | 30,995,000 | 33,505,000 |
| Interest-bearing deposits | 28,880,000 | 26,679,000 | 27,080,000 | 28,850,000 |
| Noninterest-bearing deposits | 5,825,000 | 4,252,000 | 3,915,000 | 4,655,000 |
| Equity capital | 2,883,000 | 3,040,000 | 3,070,000 | 2,942,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 601,000 | 1,238,000 | 1,899,000 | 2,592,000 |
| Interest expense | 215,000 | 456,000 | 737,000 | 1,054,000 |
| Net interest income | 386,000 | 782,000 | 1,162,000 | 1,538,000 |
| Noninterest income | 68,000 | 154,000 | 233,000 | 309,000 |
| Noninterest expense | 289,000 | 596,000 | 906,000 | 1,234,000 |
| Provision for loan losses | 0 | 0 | 21,000 | 264,000 |
| Pretax income | 165,000 | 337,000 | 465,000 | 346,000 |
| Income tax | 47,000 | 97,000 | 132,000 | 75,000 |
| Net income | 118,000 | 240,000 | 333,000 | 271,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,944,000 | 3,027,000 | 3,080,000 | 2,980,000 |
| Total capital | 3,335,000 | 3,433,000 | 3,495,000 | 3,394,000 |
| Risk-weighted assets | 31,122,000 | 32,397,000 | 33,043,000 | 33,064,000 |