Call reports 2006
AMERICAN EXCHANGE BANK — 2006
What AMERICAN EXCHANGE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 63,687,000 | 63,828,000 | 62,008,000 | 61,846,000 |
| Total loans | 38,554,000 | 38,877,000 | 39,601,000 | 40,552,000 |
| Allowance for loan losses | 676,000 | 634,000 | 637,000 | 660,000 |
| Securities available for sale | 14,377,000 | 14,822,000 | 14,116,000 | 13,886,000 |
| Securities held to maturity | 652,000 | 432,000 | 432,000 | 332,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,995,000 | 56,026,000 | 53,815,000 | 54,236,000 |
| Interest-bearing deposits | 47,075,000 | 46,933,000 | 45,269,000 | 45,818,000 |
| Noninterest-bearing deposits | 8,920,000 | 9,093,000 | 8,546,000 | 8,418,000 |
| Equity capital | 7,013,000 | 7,101,000 | 7,436,000 | 5,868,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 999,000 | 2,016,000 | 3,043,000 | 4,089,000 |
| Interest expense | 291,000 | 610,000 | 946,000 | 1,299,000 |
| Net interest income | 708,000 | 1,406,000 | 2,097,000 | 2,790,000 |
| Noninterest income | 136,000 | 306,000 | 432,000 | 567,000 |
| Noninterest expense | 546,000 | 1,090,000 | 1,646,000 | 2,442,000 |
| Provision for loan losses | 100,000 | 140,000 | 160,000 | 180,000 |
| Pretax income | 198,000 | 482,000 | 715,000 | 727,000 |
| Income tax | -16,000 | -22,000 | -27,000 | -36,000 |
| Net income | 214,000 | 504,000 | 742,000 | 763,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,100,000 | 7,265,000 | 7,503,000 | 5,904,000 |
| Total capital | 7,690,000 | 7,862,000 | 8,022,000 | 6,434,000 |
| Risk-weighted assets | 47,103,000 | 47,701,000 | 41,404,000 | 42,281,000 |
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