Call reports 2013
EXCHANGE STATE BANK — 2013
What EXCHANGE STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 40,492,000 | 40,538,000 | 37,349,000 | 38,065,000 |
| Total loans | 24,142,000 | 22,248,000 | 22,373,000 | 22,565,000 |
| Allowance for loan losses | 86,000 | 114,000 | 143,000 | 123,000 |
| Securities available for sale | 9,806,000 | 12,488,000 | 10,383,000 | 10,203,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,655,000 | 31,081,000 | 27,941,000 | 28,730,000 |
| Interest-bearing deposits | 26,050,000 | 27,336,000 | 20,277,000 | 19,155,000 |
| Noninterest-bearing deposits | 4,605,000 | 3,745,000 | 7,664,000 | 9,575,000 |
| Equity capital | 5,587,000 | 5,237,000 | 4,997,000 | 4,938,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 325,000 | 694,000 | 1,035,000 | 1,364,000 |
| Interest expense | 32,000 | 58,000 | 85,000 | 132,000 |
| Net interest income | 293,000 | 636,000 | 950,000 | 1,232,000 |
| Noninterest income | 54,000 | 70,000 | 114,000 | 149,000 |
| Noninterest expense | 244,000 | 489,000 | 736,000 | 1,006,000 |
| Provision for loan losses | 15,000 | 47,000 | 57,000 | 60,000 |
| Pretax income | 88,000 | 170,000 | 113,000 | 157,000 |
| Income tax | 4,000 | 8,000 | 6,000 | 7,000 |
| Net income | 84,000 | 162,000 | 107,000 | 150,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,261,000 | 4,207,000 | 4,090,000 | 4,063,000 |
| Total capital | 4,347,000 | 4,321,000 | 4,233,000 | 4,186,000 |
| Risk-weighted assets | 26,295,000 | 24,989,000 | 24,471,000 | 24,865,000 |