Call reports 2020
AMERICAN EXCHANGE BANK — 2020
What AMERICAN EXCHANGE BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 72,307,000 | 76,279,000 | 75,389,000 | 73,657,000 |
| Total loans | 55,844,000 | 56,701,000 | 55,911,000 | 54,420,000 |
| Allowance for loan losses | 513,000 | 625,000 | 679,000 | 749,000 |
| Securities available for sale | 4,783,000 | 4,769,000 | 4,436,000 | 4,365,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,163,000 | 63,949,000 | 62,925,000 | 62,189,000 |
| Interest-bearing deposits | 50,865,000 | 49,482,000 | 47,277,000 | 45,068,000 |
| Noninterest-bearing deposits | 12,298,000 | 14,467,000 | 15,648,000 | 17,121,000 |
| Equity capital | 8,103,000 | 8,316,000 | 8,478,000 | 8,492,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 872,000 | 1,817,000 | 2,702,000 | 3,562,000 |
| Interest expense | 119,000 | 212,000 | 270,000 | 316,000 |
| Net interest income | 753,000 | 1,605,000 | 2,432,000 | 3,246,000 |
| Noninterest income | 83,000 | 155,000 | 241,000 | 351,000 |
| Noninterest expense | 625,000 | 1,238,000 | 1,963,000 | 2,789,000 |
| Provision for loan losses | 65,000 | 140,000 | 215,000 | 290,000 |
| Pretax income | 152,000 | 388,000 | 501,000 | 524,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 152,000 | 388,000 | 501,000 | 524,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,999,000 | 8,155,000 | 8,267,000 | 8,290,000 |