Call reports 2016
AMERICAN EXCHANGE BANK — 2016
What AMERICAN EXCHANGE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 44,577,000 | 45,055,000 | 45,085,000 | 42,956,000 |
| Total loans | 28,100,000 | 30,846,000 | 31,680,000 | 28,992,000 |
| Allowance for loan losses | 462,000 | 554,000 | 560,000 | 564,000 |
| Securities available for sale | 12,234,000 | 11,176,000 | 10,933,000 | 9,112,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,071,000 | 36,587,000 | 35,119,000 | 36,553,000 |
| Interest-bearing deposits | 28,661,000 | 27,889,000 | 27,867,000 | 27,289,000 |
| Noninterest-bearing deposits | 10,410,000 | 8,698,000 | 7,252,000 | 9,264,000 |
| Equity capital | 5,039,000 | 5,097,000 | 5,200,000 | 4,914,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 439,000 | 900,000 | 1,371,000 | 1,846,000 |
| Interest expense | 51,000 | 102,000 | 158,000 | 221,000 |
| Net interest income | 388,000 | 798,000 | 1,213,000 | 1,625,000 |
| Noninterest income | 29,000 | 54,000 | 83,000 | 110,000 |
| Noninterest expense | 309,000 | 595,000 | 870,000 | 1,359,000 |
| Provision for loan losses | 0 | 90,000 | 90,000 | 90,000 |
| Pretax income | 109,000 | 169,000 | 338,000 | 290,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 109,000 | 169,000 | 338,000 | 290,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,003,000 | 5,014,000 | 5,132,000 | 4,935,000 |
| Total capital | 5,458,000 | 5,505,000 | 5,629,000 | 5,382,000 |
| Risk-weighted assets | 36,399,000 | 39,259,000 | 39,725,000 | 35,711,000 |