Call reports 2007
AMERICAN EXCHANGE BANK — 2007
What AMERICAN EXCHANGE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 30,005,000 | 32,163,000 | 32,734,000 | 33,870,000 |
| Total loans | 20,533,000 | 23,650,000 | 24,098,000 | 20,727,000 |
| Allowance for loan losses | 342,000 | 370,000 | 414,000 | 426,000 |
| Securities available for sale | 7,419,000 | 6,737,000 | 6,786,000 | 6,744,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,223,000 | 25,122,000 | 24,403,000 | 27,486,000 |
| Interest-bearing deposits | 20,922,000 | 20,579,000 | 20,559,000 | 21,062,000 |
| Noninterest-bearing deposits | 4,301,000 | 4,543,000 | 3,844,000 | 6,424,000 |
| Equity capital | 3,918,000 | 3,968,000 | 4,160,000 | 4,074,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 498,000 | 1,073,000 | 1,656,000 | 2,197,000 |
| Interest expense | 180,000 | 380,000 | 596,000 | 776,000 |
| Net interest income | 318,000 | 693,000 | 1,060,000 | 1,421,000 |
| Noninterest income | 23,000 | 52,000 | 76,000 | 95,000 |
| Noninterest expense | 210,000 | 410,000 | 614,000 | 938,000 |
| Provision for loan losses | 0 | 40,000 | 80,000 | 110,000 |
| Pretax income | 109,000 | 273,000 | 420,000 | 446,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 109,000 | 273,000 | 420,000 | 446,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,004,000 | 4,118,000 | 4,215,000 | 4,070,000 |
| Total capital | 4,269,000 | 4,420,000 | 4,525,000 | 4,353,000 |
| Risk-weighted assets | 21,155,000 | 24,227,000 | 24,682,000 | 22,541,000 |