Call reports 2006
AMERICAN EXCHANGE BANK — 2006
What AMERICAN EXCHANGE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 28,295,000 | 31,050,000 | 30,963,000 | 31,296,000 |
| Total loans | 19,249,000 | 21,690,000 | 21,783,000 | 19,669,000 |
| Allowance for loan losses | 308,000 | 307,000 | 348,000 | 349,000 |
| Securities available for sale | 7,585,000 | 7,508,000 | 7,661,000 | 7,259,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,711,000 | 23,924,000 | 23,611,000 | 26,605,000 |
| Interest-bearing deposits | 20,117,000 | 19,805,000 | 18,941,000 | 20,803,000 |
| Noninterest-bearing deposits | 3,594,000 | 4,119,000 | 4,670,000 | 5,802,000 |
| Equity capital | 3,677,000 | 3,566,000 | 3,785,000 | 3,822,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 473,000 | 956,000 | 1,485,000 | 2,028,000 |
| Interest expense | 129,000 | 276,000 | 452,000 | 614,000 |
| Net interest income | 344,000 | 680,000 | 1,033,000 | 1,414,000 |
| Noninterest income | 33,000 | 59,000 | 87,000 | 107,000 |
| Noninterest expense | 241,000 | 436,000 | 611,000 | 878,000 |
| Provision for loan losses | 20,000 | 180,000 | 220,000 | 220,000 |
| Pretax income | 116,000 | 123,000 | 289,000 | 423,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 116,000 | 123,000 | 289,000 | 423,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,869,000 | 3,825,000 | 3,941,000 | 3,944,000 |
| Total capital | 4,122,000 | 4,110,000 | 4,226,000 | 4,206,000 |
| Risk-weighted assets | 20,241,000 | 22,803,000 | 22,772,000 | 20,869,000 |