Call reports 2007
EXCHANGE STATE BANK — 2007
What EXCHANGE STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 55,415,000 | 57,303,000 | 58,813,000 | 58,595,000 |
| Total loans | 40,361,000 | 42,126,000 | 42,754,000 | 41,346,000 |
| Allowance for loan losses | 476,000 | 483,000 | 520,000 | 496,000 |
| Securities available for sale | 9,425,000 | 9,727,000 | 9,776,000 | 9,773,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,164,000 | 37,973,000 | 37,388,000 | 37,438,000 |
| Interest-bearing deposits | 34,830,000 | 34,280,000 | 33,652,000 | 33,015,000 |
| Noninterest-bearing deposits | 4,334,000 | 3,693,000 | 3,736,000 | 4,423,000 |
| Equity capital | 6,588,000 | 6,503,000 | 6,653,000 | 6,809,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 829,000 | 1,750,000 | 2,707,000 | 3,643,000 |
| Interest expense | 426,000 | 871,000 | 1,379,000 | 1,874,000 |
| Net interest income | 403,000 | 879,000 | 1,328,000 | 1,769,000 |
| Noninterest income | 128,000 | 240,000 | 370,000 | 522,000 |
| Noninterest expense | 332,000 | 676,000 | 1,048,000 | 1,417,000 |
| Provision for loan losses | 30,000 | 106,000 | 131,000 | 156,000 |
| Pretax income | 173,000 | 341,000 | 524,000 | 722,000 |
| Income tax | 9,000 | 18,000 | 27,000 | 37,000 |
| Net income | 164,000 | 323,000 | 497,000 | 685,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,784,000 | 3,844,000 | 3,912,000 | 4,007,000 |
| Total capital | 4,260,000 | 4,327,000 | 4,398,000 | 4,476,000 |
| Risk-weighted assets | 38,616,000 | 39,211,000 | 38,866,000 | 37,484,000 |