Call reports 2003
FIRST NATIONAL BANK IN AMBOY, THE — 2003
What FIRST NATIONAL BANK IN AMBOY, THE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 130,024,000 | 127,117,000 | 120,976,000 | 121,407,000 |
| Total loans | 64,717,000 | 66,875,000 | 67,474,000 | 67,198,000 |
| Allowance for loan losses | 1,002,000 | 1,033,000 | 921,000 | 1,029,000 |
| Securities available for sale | 50,191,000 | 45,885,000 | 40,696,000 | 41,752,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 115,108,000 | 110,952,000 | 106,633,000 | 106,120,000 |
| Interest-bearing deposits | 103,016,000 | 95,673,000 | 92,997,000 | 91,366,000 |
| Noninterest-bearing deposits | 12,092,000 | 15,279,000 | 13,636,000 | 14,754,000 |
| Equity capital | 12,132,000 | 12,371,000 | 12,076,000 | 12,081,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,851,000 | 3,621,000 | 5,306,000 | 6,932,000 |
| Interest expense | 802,000 | 1,476,000 | 2,044,000 | 2,505,000 |
| Net interest income | 1,049,000 | 2,145,000 | 3,262,000 | 4,427,000 |
| Noninterest income | 240,000 | 486,000 | 702,000 | 981,000 |
| Noninterest expense | 933,000 | 1,908,000 | 3,019,000 | 4,023,000 |
| Provision for loan losses | 125,000 | 255,000 | 405,000 | 655,000 |
| Pretax income | 231,000 | 471,000 | 556,000 | 747,000 |
| Income tax | 70,000 | 146,000 | 143,000 | 199,000 |
| Net income | 161,000 | 325,000 | 413,000 | 548,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,673,000 | 11,781,000 | 11,870,000 | 11,949,000 |
| Total capital | 12,576,000 | 12,698,000 | 12,786,000 | 12,861,000 |
| Risk-weighted assets | 72,524,000 | 73,259,000 | 73,174,000 | 72,794,000 |
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