Call reports 2009
EXCHANGE STATE BANK — 2009
What EXCHANGE STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 60,437,000 | 62,468,000 | 58,861,000 | 58,586,000 |
| Total loans | 39,812,000 | 37,246,000 | 38,856,000 | 39,048,000 |
| Allowance for loan losses | 462,000 | 485,000 | 514,000 | 659,000 |
| Securities available for sale | 11,470,000 | 10,486,000 | 11,658,000 | 10,213,000 |
| Securities held to maturity | 1,687,000 | 1,604,000 | 1,538,000 | 1,466,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,539,000 | 41,153,000 | 39,643,000 | 39,886,000 |
| Interest-bearing deposits | 34,193,000 | 36,973,000 | 35,487,000 | 35,338,000 |
| Noninterest-bearing deposits | 4,346,000 | 4,180,000 | 4,156,000 | 4,548,000 |
| Equity capital | 6,534,000 | 6,737,000 | 6,954,000 | 6,772,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 839,000 | 1,673,000 | 2,471,000 | 3,218,000 |
| Interest expense | 415,000 | 820,000 | 1,198,000 | 1,540,000 |
| Net interest income | 424,000 | 853,000 | 1,273,000 | 1,678,000 |
| Noninterest income | 142,000 | 294,000 | 454,000 | 620,000 |
| Noninterest expense | 387,000 | 772,000 | 1,202,000 | 1,677,000 |
| Provision for loan losses | 125,000 | 155,000 | 179,000 | 345,000 |
| Pretax income | -144,000 | 185,000 | 313,000 | 235,000 |
| Income tax | 5,000 | 9,000 | 16,000 | 7,000 |
| Net income | -149,000 | 176,000 | 297,000 | 228,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,223,000 | 4,326,000 | 4,350,000 | 4,191,000 |
| Total capital | 4,685,000 | 4,811,000 | 4,864,000 | 4,715,000 |
| Risk-weighted assets | 40,624,000 | 41,536,000 | 40,606,000 | 41,755,000 |