Call reports 2004
FIRST NATIONAL BANK IN AMBOY, THE — 2004
What FIRST NATIONAL BANK IN AMBOY, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 119,890,000 | 115,475,000 | 115,896,000 | 119,890,000 |
| Total loans | 64,897,000 | 65,086,000 | 65,492,000 | 66,511,000 |
| Allowance for loan losses | 1,149,000 | 1,286,000 | 1,092,000 | 1,047,000 |
| Securities available for sale | 40,380,000 | 38,814,000 | 38,556,000 | 37,992,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 104,835,000 | 101,071,000 | 100,808,000 | 104,569,000 |
| Interest-bearing deposits | 91,585,000 | 87,401,000 | 88,123,000 | 89,263,000 |
| Noninterest-bearing deposits | 13,250,000 | 13,670,000 | 12,685,000 | 15,306,000 |
| Equity capital | 12,438,000 | 11,729,000 | 12,293,000 | 12,166,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,557,000 | 3,056,000 | 4,497,000 | 6,097,000 |
| Interest expense | 390,000 | 760,000 | 1,129,000 | 1,532,000 |
| Net interest income | 1,167,000 | 2,296,000 | 3,368,000 | 4,565,000 |
| Noninterest income | 225,000 | 453,000 | 682,000 | 899,000 |
| Noninterest expense | 981,000 | 2,047,000 | 3,046,000 | 4,072,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 576,000 |
| Pretax income | 298,000 | 443,000 | 621,000 | 884,000 |
| Income tax | 80,000 | 125,000 | 170,000 | 259,000 |
| Net income | 218,000 | 318,000 | 451,000 | 625,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,147,000 | 12,192,000 | 12,324,000 | 12,270,000 |
| Total capital | 13,038,000 | 13,081,000 | 13,220,000 | 13,199,000 |
| Risk-weighted assets | 71,021,000 | 70,706,000 | 71,531,000 | 74,175,000 |
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