Call reports 2010
AMERICAN EXCHANGE BANK — 2010
What AMERICAN EXCHANGE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 37,671,000 | 38,222,000 | 37,300,000 | 36,945,000 |
| Total loans | 22,907,000 | 24,636,000 | 23,977,000 | 23,753,000 |
| Allowance for loan losses | 484,000 | 594,000 | 614,000 | 503,000 |
| Securities available for sale | 8,043,000 | 8,092,000 | 7,965,000 | 7,749,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,162,000 | 32,577,000 | 31,580,000 | 31,389,000 |
| Interest-bearing deposits | 23,522,000 | 23,167,000 | 23,151,000 | 23,636,000 |
| Noninterest-bearing deposits | 8,640,000 | 9,410,000 | 8,429,000 | 7,753,000 |
| Equity capital | 4,549,000 | 4,688,000 | 4,833,000 | 4,660,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 441,000 | 941,000 | 1,404,000 | 1,896,000 |
| Interest expense | 104,000 | 199,000 | 289,000 | 376,000 |
| Net interest income | 337,000 | 742,000 | 1,115,000 | 1,520,000 |
| Noninterest income | 21,000 | 43,000 | 63,000 | 83,000 |
| Noninterest expense | 240,000 | 486,000 | 719,000 | 1,080,000 |
| Provision for loan losses | 0 | 80,000 | 120,000 | 20,000 |
| Pretax income | 118,000 | 219,000 | 339,000 | 503,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 118,000 | 219,000 | 339,000 | 503,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,403,000 | 4,505,000 | 4,625,000 | 4,538,000 |
| Total capital | 4,708,000 | 4,827,000 | 4,941,000 | 4,874,000 |
| Risk-weighted assets | 24,208,000 | 25,475,000 | 25,028,000 | 26,705,000 |