Call reports 2015
AMERICAN EXCHANGE BANK — 2015
What AMERICAN EXCHANGE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 61,932,000 | 60,959,000 | 60,574,000 | 59,934,000 |
| Total loans | 41,032,000 | 41,649,000 | 43,406,000 | 43,583,000 |
| Allowance for loan losses | 395,000 | 411,000 | 350,000 | 356,000 |
| Securities available for sale | 10,317,000 | 8,901,000 | 7,063,000 | 5,881,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,381,000 | 53,450,000 | 52,074,000 | 52,028,000 |
| Interest-bearing deposits | 45,064,000 | 44,398,000 | 42,658,000 | 42,826,000 |
| Noninterest-bearing deposits | 9,317,000 | 9,052,000 | 9,416,000 | 9,202,000 |
| Equity capital | 6,797,000 | 6,734,000 | 6,919,000 | 7,027,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 700,000 | 1,384,000 | 2,120,000 | 2,836,000 |
| Interest expense | 48,000 | 95,000 | 142,000 | 188,000 |
| Net interest income | 652,000 | 1,289,000 | 1,978,000 | 2,648,000 |
| Noninterest income | 107,000 | 200,000 | 306,000 | 413,000 |
| Noninterest expense | 625,000 | 1,241,000 | 1,805,000 | 2,448,000 |
| Provision for loan losses | 0 | 35,000 | 55,000 | 55,000 |
| Pretax income | 181,000 | 264,000 | 486,000 | 628,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 181,000 | 264,000 | 486,000 | 628,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,619,000 | 6,584,000 | 6,806,000 | 6,948,000 |
| Total capital | 7,014,000 | 6,995,000 | 7,156,000 | 7,304,000 |
| Risk-weighted assets | 39,844,000 | 40,974,000 | 42,011,000 | 40,853,000 |