Call reports 2014
EXCHANGE STATE BANK — 2014
What EXCHANGE STATE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 37,452,000 | 35,862,000 | 36,614,000 | 36,780,000 |
| Total loans | 19,554,000 | 20,022,000 | 19,717,000 | 19,943,000 |
| Allowance for loan losses | 136,000 | 148,000 | 164,000 | 174,000 |
| Securities available for sale | 11,200,000 | 11,382,000 | 11,094,000 | 10,623,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,833,000 | 27,169,000 | 28,087,000 | 28,416,000 |
| Interest-bearing deposits | 19,071,000 | 22,933,000 | 23,214,000 | 23,793,000 |
| Noninterest-bearing deposits | 9,762,000 | 4,237,000 | 4,873,000 | 4,623,000 |
| Equity capital | 4,856,000 | 4,960,000 | 4,967,000 | 5,021,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 278,000 | 591,000 | 883,000 | 1,209,000 |
| Interest expense | 55,000 | 102,000 | 150,000 | 191,000 |
| Net interest income | 223,000 | 489,000 | 733,000 | 1,018,000 |
| Noninterest income | 50,000 | 81,000 | 129,000 | 189,000 |
| Noninterest expense | 235,000 | 475,000 | 711,000 | 963,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 38,000 | 100,000 | 156,000 | 244,000 |
| Income tax | 2,000 | 5,000 | 7,000 | 12,000 |
| Net income | 36,000 | 95,000 | 149,000 | 232,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,103,000 | 4,103,000 | 4,097,000 | 4,061,000 |
| Total capital | 4,239,000 | 4,251,000 | 4,261,000 | 4,235,000 |
| Risk-weighted assets | 24,171,000 | 22,628,000 | 23,124,000 | 22,958,000 |