Call reports 2012
AMERICAN EXCHANGE BANK — 2012
What AMERICAN EXCHANGE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 72,444,000 | 70,429,000 | 67,224,000 | 66,251,000 |
| Total loans | 40,137,000 | 40,493,000 | 40,633,000 | 40,069,000 |
| Allowance for loan losses | 616,000 | 574,000 | 549,000 | 558,000 |
| Securities available for sale | 21,476,000 | 20,306,000 | 16,098,000 | 16,150,000 |
| Securities held to maturity | 235,000 | 235,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,724,000 | 62,537,000 | 59,129,000 | 58,311,000 |
| Interest-bearing deposits | 56,316,000 | 54,589,000 | 51,169,000 | 50,154,000 |
| Noninterest-bearing deposits | 8,408,000 | 7,948,000 | 7,960,000 | 8,157,000 |
| Equity capital | 7,094,000 | 7,239,000 | 7,422,000 | 7,299,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 844,000 | 1,678,000 | 2,480,000 | 3,246,000 |
| Interest expense | 105,000 | 202,000 | 294,000 | 373,000 |
| Net interest income | 739,000 | 1,476,000 | 2,186,000 | 2,873,000 |
| Noninterest income | 115,000 | 224,000 | 343,000 | 467,000 |
| Noninterest expense | 598,000 | 1,228,000 | 1,839,000 | 2,574,000 |
| Provision for loan losses | 100,000 | 100,000 | 110,000 | 250,000 |
| Pretax income | 156,000 | 387,000 | 737,000 | 673,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 156,000 | 387,000 | 737,000 | 673,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,370,000 | 6,519,000 | 6,869,000 | 6,805,000 |
| Total capital | 6,938,000 | 7,087,000 | 7,418,000 | 7,360,000 |
| Risk-weighted assets | 45,379,000 | 45,400,000 | 44,337,000 | 44,387,000 |