Call reports 2014
AMERICAN EXCHANGE BANK — 2014
What AMERICAN EXCHANGE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 44,416,000 | 42,316,000 | 41,729,000 | 41,946,000 |
| Total loans | 24,377,000 | 26,083,000 | 26,519,000 | 25,791,000 |
| Allowance for loan losses | 406,000 | 444,000 | 441,000 | 421,000 |
| Securities available for sale | 11,403,000 | 11,918,000 | 13,439,000 | 10,564,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,828,000 | 36,900,000 | 34,236,000 | 35,866,000 |
| Interest-bearing deposits | 28,660,000 | 28,513,000 | 27,197,000 | 27,265,000 |
| Noninterest-bearing deposits | 10,168,000 | 8,387,000 | 7,039,000 | 8,601,000 |
| Equity capital | 4,874,000 | 4,930,000 | 4,921,000 | 4,908,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 445,000 | 866,000 | 1,301,000 | 1,742,000 |
| Interest expense | 50,000 | 101,000 | 149,000 | 195,000 |
| Net interest income | 395,000 | 765,000 | 1,152,000 | 1,547,000 |
| Noninterest income | 28,000 | 58,000 | 87,000 | 118,000 |
| Noninterest expense | 274,000 | 594,000 | 852,000 | 1,243,000 |
| Provision for loan losses | 0 | 75,000 | 200,000 | 200,000 |
| Pretax income | 143,000 | 231,000 | 251,000 | 313,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 143,000 | 231,000 | 251,000 | 313,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,847,000 | 4,885,000 | 4,880,000 | 4,867,000 |
| Total capital | 5,226,000 | 5,283,000 | 5,281,000 | 5,254,000 |
| Risk-weighted assets | 30,839,000 | 32,360,000 | 33,355,000 | 32,224,000 |