Call reports 2007
AMERICAN EXCHANGE BANK — 2007
What AMERICAN EXCHANGE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 62,691,000 | 61,928,000 | 63,649,000 | 62,585,000 |
| Total loans | 40,973,000 | 40,690,000 | 41,239,000 | 41,509,000 |
| Allowance for loan losses | 707,000 | 726,000 | 670,000 | 674,000 |
| Securities available for sale | 10,480,000 | 12,478,000 | 14,276,000 | 13,378,000 |
| Securities held to maturity | 332,000 | 332,000 | 332,000 | 334,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,924,000 | 55,245,000 | 55,547,000 | 55,925,000 |
| Interest-bearing deposits | 47,633,000 | 47,119,000 | 47,513,000 | 47,759,000 |
| Noninterest-bearing deposits | 8,291,000 | 8,126,000 | 8,034,000 | 8,166,000 |
| Equity capital | 5,966,000 | 5,912,000 | 6,229,000 | 5,860,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,042,000 | 2,092,000 | 3,162,000 | 4,245,000 |
| Interest expense | 374,000 | 752,000 | 1,138,000 | 1,525,000 |
| Net interest income | 668,000 | 1,340,000 | 2,024,000 | 2,720,000 |
| Noninterest income | 119,000 | 255,000 | 398,000 | 542,000 |
| Noninterest expense | 530,000 | 1,070,000 | 1,612,000 | 2,244,000 |
| Provision for loan losses | 0 | 0 | 0 | 127,000 |
| Pretax income | 251,000 | 519,000 | 802,000 | 879,000 |
| Income tax | 168,000 | 300,000 | 388,000 | 418,000 |
| Net income | 83,000 | 219,000 | 414,000 | 461,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,986,000 | 6,040,000 | 6,234,000 | 5,783,000 |
| Total capital | 6,522,000 | 6,601,000 | 6,803,000 | 6,351,000 |
| Risk-weighted assets | 42,691,000 | 44,726,000 | 45,454,000 | 45,361,000 |