Call reports 2013
AMERICAN EXCHANGE BANK — 2013
What AMERICAN EXCHANGE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 66,404,000 | 65,985,000 | 63,811,000 | 62,656,000 |
| Total loans | 39,401,000 | 39,862,000 | 40,090,000 | 40,336,000 |
| Allowance for loan losses | 640,000 | 677,000 | 671,000 | 650,000 |
| Securities available for sale | 15,185,000 | 14,947,000 | 13,806,000 | 12,484,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,718,000 | 58,465,000 | 55,661,000 | 54,963,000 |
| Interest-bearing deposits | 50,490,000 | 49,880,000 | 47,114,000 | 46,199,000 |
| Noninterest-bearing deposits | 8,228,000 | 8,585,000 | 8,547,000 | 8,764,000 |
| Equity capital | 7,039,000 | 6,840,000 | 6,893,000 | 7,007,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 727,000 | 1,455,000 | 2,181,000 | 2,926,000 |
| Interest expense | 67,000 | 130,000 | 188,000 | 244,000 |
| Net interest income | 660,000 | 1,325,000 | 1,993,000 | 2,682,000 |
| Noninterest income | 120,000 | 206,000 | 309,000 | 444,000 |
| Noninterest expense | 573,000 | 1,140,000 | 1,714,000 | 2,460,000 |
| Provision for loan losses | 30,000 | 40,000 | 40,000 | 40,000 |
| Pretax income | 177,000 | 351,000 | 561,000 | 641,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 177,000 | 351,000 | 561,000 | 641,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,495,000 | 6,588,000 | 6,797,000 | 6,878,000 |
| Total capital | 7,044,000 | 7,139,000 | 7,339,000 | 7,420,000 |
| Risk-weighted assets | 43,839,000 | 43,967,000 | 43,238,000 | 43,267,000 |