Call reports 2002
AMERICAN EXCHANGE BANK — 2002
What AMERICAN EXCHANGE BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 26,771,000 | 26,673,000 | 26,633,000 | 31,309,000 |
| Total loans | 16,375,000 | 17,667,000 | 17,910,000 | 17,180,000 |
| Allowance for loan losses | 285,000 | 277,000 | 290,000 | 294,000 |
| Securities available for sale | 7,802,000 | 7,766,000 | 7,010,000 | 7,281,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,989,000 | 22,011,000 | 21,534,000 | 27,005,000 |
| Interest-bearing deposits | 19,653,000 | 19,316,000 | 18,879,000 | 20,474,000 |
| Noninterest-bearing deposits | 3,336,000 | 2,695,000 | 2,655,000 | 6,531,000 |
| Equity capital | 3,634,000 | 3,905,000 | 4,092,000 | 4,052,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 440,000 | 940,000 | 1,436,000 | 1,901,000 |
| Interest expense | 173,000 | 347,000 | 515,000 | 669,000 |
| Net interest income | 267,000 | 593,000 | 921,000 | 1,232,000 |
| Noninterest income | 25,000 | 46,000 | 65,000 | 94,000 |
| Noninterest expense | 184,000 | 375,000 | 564,000 | 850,000 |
| Provision for loan losses | 0 | 0 | 0 | 20,000 |
| Pretax income | 109,000 | 265,000 | 431,000 | 465,000 |
| Income tax | 0 | 0 | 0 | 1,000 |
| Net income | 109,000 | 265,000 | 431,000 | 464,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,562,000 | 3,668,000 | 3,783,000 | 3,736,000 |
| Total capital | 3,772,000 | 3,889,000 | 4,009,000 | 3,972,000 |
| Risk-weighted assets | 16,690,000 | 17,653,000 | 17,983,000 | 18,802,000 |