Call reports 2003
AMERICAN EXCHANGE BANK — 2003
What AMERICAN EXCHANGE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 29,020,000 | 28,252,000 | 29,076,000 | 32,079,000 |
| Total loans | 17,329,000 | 18,425,000 | 17,938,000 | 16,999,000 |
| Allowance for loan losses | 299,000 | 302,000 | 282,000 | 274,000 |
| Securities available for sale | 6,963,000 | 7,717,000 | 7,695,000 | 8,917,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,845,000 | 23,196,000 | 24,014,000 | 27,322,000 |
| Interest-bearing deposits | 20,365,000 | 19,960,000 | 20,238,000 | 22,008,000 |
| Noninterest-bearing deposits | 4,480,000 | 3,236,000 | 3,776,000 | 5,314,000 |
| Equity capital | 3,938,000 | 4,019,000 | 4,029,000 | 3,707,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 435,000 | 870,000 | 1,322,000 | 1,753,000 |
| Interest expense | 142,000 | 279,000 | 409,000 | 545,000 |
| Net interest income | 293,000 | 591,000 | 913,000 | 1,208,000 |
| Noninterest income | 32,000 | 53,000 | 79,000 | 103,000 |
| Noninterest expense | 184,000 | 384,000 | 575,000 | 854,000 |
| Provision for loan losses | 0 | 0 | 0 | 20,000 |
| Pretax income | 141,000 | 260,000 | 417,000 | 437,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 141,000 | 260,000 | 417,000 | 437,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,648,000 | 3,716,000 | 3,823,000 | 3,543,000 |
| Total capital | 3,885,000 | 3,956,000 | 4,061,000 | 3,774,000 |
| Risk-weighted assets | 18,901,000 | 19,153,000 | 19,016,000 | 18,402,000 |