Call reports 2025
AMERICAN EXCHANGE BANK — 2025
What AMERICAN EXCHANGE BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 67,901,000 | 66,228,000 | 68,152,000 | 69,712,000 |
| Total loans | 44,666,000 | 46,244,000 | 48,698,000 | 50,793,000 |
| Allowance for loan losses | 628,000 | 644,000 | 694,000 | 694,000 |
| Securities available for sale | 17,617,000 | 17,497,000 | 16,002,000 | 15,592,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,296,000 | 55,836,000 | 53,345,000 | 56,464,000 |
| Interest-bearing deposits | 42,586,000 | 40,093,000 | 37,868,000 | 41,523,000 |
| Noninterest-bearing deposits | 17,710,000 | 15,743,000 | 15,477,000 | 14,941,000 |
| Equity capital | 7,034,000 | 7,275,000 | 7,796,000 | 5,947,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 985,000 | 1,951,000 | 2,947,000 | 3,938,000 |
| Interest expense | 290,000 | 512,000 | 746,000 | 1,014,000 |
| Net interest income | 695,000 | 1,439,000 | 2,201,000 | 2,924,000 |
| Noninterest income | 244,000 | 283,000 | 305,000 | 393,000 |
| Noninterest expense | 336,000 | 784,000 | 1,149,000 | 1,834,000 |
| Provision for loan losses | 0 | 0 | 50,000 | 50,000 |
| Pretax income | 603,000 | 938,000 | 1,367,000 | 1,493,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 603,000 | 938,000 | 1,367,000 | 1,493,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,630,000 | 7,866,000 | 8,244,000 | 6,371,000 |