Call reports 2005
AMERICAN EXCHANGE BANK — 2005
What AMERICAN EXCHANGE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 31,443,000 | 30,956,000 | 31,822,000 | 32,648,000 |
| Total loans | 18,613,000 | 19,607,000 | 21,097,000 | 20,300,000 |
| Allowance for loan losses | 366,000 | 374,000 | 251,000 | 302,000 |
| Securities available for sale | 10,475,000 | 9,507,000 | 8,665,000 | 7,524,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,812,000 | 25,463,000 | 24,664,000 | 28,099,000 |
| Interest-bearing deposits | 21,705,000 | 21,125,000 | 20,440,000 | 22,518,000 |
| Noninterest-bearing deposits | 5,107,000 | 4,338,000 | 4,224,000 | 5,581,000 |
| Equity capital | 3,543,000 | 3,735,000 | 3,624,000 | 3,640,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 445,000 | 921,000 | 1,386,000 | 1,889,000 |
| Interest expense | 120,000 | 253,000 | 401,000 | 542,000 |
| Net interest income | 325,000 | 668,000 | 985,000 | 1,347,000 |
| Noninterest income | 17,000 | 37,000 | 61,000 | 86,000 |
| Noninterest expense | 221,000 | 442,000 | 644,000 | 856,000 |
| Provision for loan losses | 0 | 0 | 100,000 | 150,000 |
| Pretax income | 121,000 | 235,000 | 277,000 | 402,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 121,000 | 235,000 | 277,000 | 402,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,701,000 | 3,766,000 | 3,758,000 | 3,802,000 |
| Total capital | 3,946,000 | 4,026,000 | 4,009,000 | 4,075,000 |
| Risk-weighted assets | 19,466,000 | 20,653,000 | 22,095,000 | 21,752,000 |