Call reports 2015
AMERICAN EXCHANGE BANK — 2015
What AMERICAN EXCHANGE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 44,263,000 | 42,326,000 | 45,679,000 | 42,161,000 |
| Total loans | 25,292,000 | 26,364,000 | 29,719,000 | 28,857,000 |
| Allowance for loan losses | 421,000 | 420,000 | 420,000 | 456,000 |
| Securities available for sale | 13,595,000 | 13,937,000 | 13,724,000 | 9,312,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,791,000 | 36,192,000 | 34,679,000 | 36,525,000 |
| Interest-bearing deposits | 29,433,000 | 28,109,000 | 27,771,000 | 28,220,000 |
| Noninterest-bearing deposits | 9,358,000 | 8,083,000 | 6,908,000 | 8,305,000 |
| Equity capital | 4,993,000 | 5,054,000 | 5,168,000 | 4,979,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 405,000 | 828,000 | 1,281,000 | 1,742,000 |
| Interest expense | 48,000 | 96,000 | 147,000 | 200,000 |
| Net interest income | 357,000 | 732,000 | 1,134,000 | 1,542,000 |
| Noninterest income | 25,000 | 53,000 | 92,000 | 333,000 |
| Noninterest expense | 268,000 | 523,000 | 822,000 | 1,315,000 |
| Provision for loan losses | 0 | 0 | 0 | 140,000 |
| Pretax income | 114,000 | 262,000 | 404,000 | 402,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 114,000 | 262,000 | 404,000 | 402,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,956,000 | 5,054,000 | 5,146,000 | 4,944,000 |
| Total capital | 5,357,000 | 5,474,000 | 5,565,000 | 5,362,000 |
| Risk-weighted assets | 32,073,000 | 33,935,000 | 33,583,000 | 33,431,000 |