Call reports 2016
AMERICAN EXCHANGE BANK — 2016
What AMERICAN EXCHANGE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 61,856,000 | 61,889,000 | 59,597,000 | 58,555,000 |
| Total loans | 43,389,000 | 44,815,000 | 45,148,000 | 45,225,000 |
| Allowance for loan losses | 388,000 | 394,000 | 453,000 | 320,000 |
| Securities available for sale | 6,723,000 | 6,470,000 | 5,760,000 | 4,768,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,811,000 | 53,716,000 | 51,241,000 | 50,289,000 |
| Interest-bearing deposits | 44,057,000 | 44,031,000 | 41,981,000 | 41,324,000 |
| Noninterest-bearing deposits | 9,754,000 | 9,685,000 | 9,260,000 | 8,965,000 |
| Equity capital | 7,231,000 | 7,398,000 | 7,573,000 | 7,422,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 725,000 | 1,453,000 | 2,194,000 | 2,922,000 |
| Interest expense | 44,000 | 89,000 | 133,000 | 176,000 |
| Net interest income | 681,000 | 1,364,000 | 2,061,000 | 2,746,000 |
| Noninterest income | 412,000 | 524,000 | 639,000 | 746,000 |
| Noninterest expense | 567,000 | 1,129,000 | 1,688,000 | 2,402,000 |
| Provision for loan losses | 0 | 0 | 75,000 | 175,000 |
| Pretax income | 526,000 | 759,000 | 937,000 | 924,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 526,000 | 759,000 | 937,000 | 924,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,068,000 | 7,220,000 | 7,398,000 | 7,385,000 |
| Total capital | 7,456,000 | 7,614,000 | 7,851,000 | 7,705,000 |
| Risk-weighted assets | 41,260,000 | 41,283,000 | 41,196,000 | 40,549,000 |