Call reports 2006
EXCHANGE STATE BANK — 2006
What EXCHANGE STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 46,659,000 | 51,760,000 | 54,396,000 | 52,924,000 |
| Total loans | 35,220,000 | 37,892,000 | 38,748,000 | 38,605,000 |
| Allowance for loan losses | 503,000 | 508,000 | 449,000 | 446,000 |
| Securities available for sale | 7,936,000 | 8,830,000 | 9,881,000 | 8,792,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,890,000 | 37,287,000 | 36,549,000 | 38,031,000 |
| Interest-bearing deposits | 32,669,000 | 33,351,000 | 33,176,000 | 34,025,000 |
| Noninterest-bearing deposits | 4,221,000 | 3,936,000 | 3,373,000 | 4,006,000 |
| Equity capital | 2,989,000 | 6,402,000 | 6,518,000 | 6,534,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 722,000 | 527,000 | 1,335,000 | 2,201,000 |
| Interest expense | 330,000 | 239,000 | 653,000 | 1,098,000 |
| Net interest income | 392,000 | 288,000 | 682,000 | 1,103,000 |
| Noninterest income | 78,000 | 71,000 | 169,000 | 305,000 |
| Noninterest expense | 319,000 | 208,000 | 526,000 | 852,000 |
| Provision for loan losses | 4,000 | 3,000 | 16,000 | 116,000 |
| Pretax income | 145,000 | 148,000 | 304,000 | 448,000 |
| Income tax | 41,000 | 7,000 | 15,000 | 15,000 |
| Net income | 104,000 | 141,000 | 289,000 | 433,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,045,000 | 3,643,000 | 3,685,000 | 3,726,000 |
| Total capital | 3,462,000 | 4,122,000 | 4,134,000 | 4,172,000 |
| Risk-weighted assets | 33,266,000 | 38,167,000 | 38,862,000 | 37,168,000 |