Call reports 2013
AMERICAN EXCHANGE BANK — 2013
What AMERICAN EXCHANGE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 44,218,000 | 40,473,000 | 40,552,000 | 40,687,000 |
| Total loans | 23,065,000 | 25,968,000 | 25,988,000 | 25,210,000 |
| Allowance for loan losses | 556,000 | 609,000 | 390,000 | 422,000 |
| Securities available for sale | 19,935,000 | 12,990,000 | 12,828,000 | 9,963,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,546,000 | 34,737,000 | 33,800,000 | 35,267,000 |
| Interest-bearing deposits | 29,210,000 | 28,253,000 | 26,541,000 | 26,949,000 |
| Noninterest-bearing deposits | 9,336,000 | 6,484,000 | 7,259,000 | 8,318,000 |
| Equity capital | 4,910,000 | 4,944,000 | 4,864,000 | 4,726,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 413,000 | 815,000 | 1,259,000 | 1,674,000 |
| Interest expense | 55,000 | 110,000 | 162,000 | 215,000 |
| Net interest income | 358,000 | 705,000 | 1,097,000 | 1,459,000 |
| Noninterest income | 28,000 | 85,000 | 112,000 | 136,000 |
| Noninterest expense | 268,000 | 548,000 | 809,000 | 1,215,000 |
| Provision for loan losses | 0 | 50,000 | 200,000 | 310,000 |
| Pretax income | 118,000 | 290,000 | 295,000 | 240,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 118,000 | 290,000 | 295,000 | 240,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,733,000 | 4,855,000 | 4,834,000 | 4,754,000 |
| Total capital | 5,076,000 | 5,232,000 | 5,224,000 | 5,141,000 |
| Risk-weighted assets | 27,210,000 | 30,818,000 | 31,795,000 | 31,502,000 |