Call reports 2004
AMERICAN EXCHANGE BANK — 2004
What AMERICAN EXCHANGE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 30,420,000 | 31,166,000 | 33,389,000 | 32,637,000 |
| Total loans | 17,429,000 | 18,268,000 | 18,790,000 | 17,198,000 |
| Allowance for loan losses | 280,000 | 279,000 | 274,000 | 248,000 |
| Securities available for sale | 10,460,000 | 10,275,000 | 10,239,000 | 10,282,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,491,000 | 26,369,000 | 28,536,000 | 28,024,000 |
| Interest-bearing deposits | 21,286,000 | 21,291,000 | 23,329,000 | 21,684,000 |
| Noninterest-bearing deposits | 4,205,000 | 5,079,000 | 5,207,000 | 6,340,000 |
| Equity capital | 3,868,000 | 3,790,000 | 3,896,000 | 3,662,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 445,000 | 883,000 | 1,326,000 | 1,792,000 |
| Interest expense | 119,000 | 233,000 | 350,000 | 467,000 |
| Net interest income | 326,000 | 650,000 | 976,000 | 1,325,000 |
| Noninterest income | 24,000 | 48,000 | 72,000 | 95,000 |
| Noninterest expense | 225,000 | 418,000 | 589,000 | 878,000 |
| Provision for loan losses | 0 | 0 | 40,000 | 144,000 |
| Pretax income | 125,000 | 280,000 | 419,000 | 387,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 125,000 | 280,000 | 419,000 | 387,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,618,000 | 3,724,000 | 3,812,000 | 3,631,000 |
| Total capital | 3,839,000 | 3,963,000 | 4,065,000 | 3,863,000 |
| Risk-weighted assets | 17,581,000 | 19,070,000 | 20,199,000 | 18,580,000 |