Call reports 2009
AMERICAN EXCHANGE BANK — 2009
What AMERICAN EXCHANGE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 69,727,000 | 72,380,000 | 70,203,000 | 71,369,000 |
| Total loans | 45,287,000 | 45,634,000 | 45,255,000 | 43,735,000 |
| Allowance for loan losses | 564,000 | 931,000 | 797,000 | 659,000 |
| Securities available for sale | 14,577,000 | 15,745,000 | 15,662,000 | 14,850,000 |
| Securities held to maturity | 233,000 | 233,000 | 234,000 | 234,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,048,000 | 65,829,000 | 63,223,000 | 64,192,000 |
| Interest-bearing deposits | 55,261,000 | 57,977,000 | 55,502,000 | 56,417,000 |
| Noninterest-bearing deposits | 7,788,000 | 7,852,000 | 7,721,000 | 7,775,000 |
| Equity capital | 6,000,000 | 5,810,000 | 6,285,000 | 6,522,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,024,000 | 2,047,000 | 3,051,000 | 4,034,000 |
| Interest expense | 259,000 | 509,000 | 734,000 | 943,000 |
| Net interest income | 765,000 | 1,538,000 | 2,317,000 | 3,091,000 |
| Noninterest income | 126,000 | 273,000 | 413,000 | 557,000 |
| Noninterest expense | 598,000 | 1,188,000 | 1,753,000 | 2,436,000 |
| Provision for loan losses | 148,000 | 508,000 | 597,000 | 597,000 |
| Pretax income | 145,000 | 130,000 | 405,000 | 640,000 |
| Income tax | 179,000 | 179,000 | 179,000 | 179,000 |
| Net income | -34,000 | -49,000 | 226,000 | 461,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,669,000 | 5,573,000 | 5,848,000 | 6,084,000 |
| Total capital | 6,233,000 | 6,211,000 | 6,440,000 | 6,667,000 |
| Risk-weighted assets | 47,095,000 | 50,732,000 | 47,153,000 | 46,552,000 |
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