Call reports 2008
EXCHANGE STATE BANK — 2008
What EXCHANGE STATE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 62,357,000 | 64,457,000 | 61,632,000 | 62,291,000 |
| Total loans | 40,845,000 | 40,906,000 | 40,169,000 | 40,392,000 |
| Allowance for loan losses | 511,000 | 516,000 | 459,000 | 510,000 |
| Securities available for sale | 11,918,000 | 12,676,000 | 12,049,000 | 12,520,000 |
| Securities held to maturity | 0 | 2,071,000 | 2,021,000 | 1,978,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,064,000 | 41,496,000 | 38,766,000 | 39,005,000 |
| Interest-bearing deposits | 35,730,000 | 36,973,000 | 34,498,000 | 33,760,000 |
| Noninterest-bearing deposits | 4,334,000 | 4,523,000 | 4,268,000 | 5,245,000 |
| Equity capital | 6,831,000 | 6,651,000 | 6,552,000 | 6,569,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 924,000 | 1,842,000 | 2,788,000 | 3,675,000 |
| Interest expense | 497,000 | 980,000 | 1,468,000 | 1,912,000 |
| Net interest income | 427,000 | 862,000 | 1,320,000 | 1,763,000 |
| Noninterest income | 95,000 | 221,000 | 363,000 | 497,000 |
| Noninterest expense | 342,000 | 742,000 | 1,100,000 | 1,532,000 |
| Provision for loan losses | 11,000 | 24,000 | 194,000 | 254,000 |
| Pretax income | 201,000 | 363,000 | 454,000 | 539,000 |
| Income tax | 10,000 | 18,000 | 24,000 | 28,000 |
| Net income | 191,000 | 345,000 | 430,000 | 511,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,066,000 | 4,073,000 | 4,087,000 | 4,074,000 |
| Total capital | 4,566,000 | 4,577,000 | 4,546,000 | 4,584,000 |
| Risk-weighted assets | 39,844,000 | 40,378,000 | 38,194,000 | 44,816,000 |