Call reports 2005
FIRST NATIONAL BANK IN AMBOY, THE — 2005
What FIRST NATIONAL BANK IN AMBOY, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 114,663,000 | 112,939,000 | 111,613,000 | 120,347,000 |
| Total loans | 64,827,000 | 65,289,000 | 68,556,000 | 68,193,000 |
| Allowance for loan losses | 1,011,000 | 1,102,000 | 1,187,000 | 1,185,000 |
| Securities available for sale | 37,289,000 | 37,672,000 | 34,576,000 | 33,445,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 99,340,000 | 96,744,000 | 95,992,000 | 103,140,000 |
| Interest-bearing deposits | 85,738,000 | 82,954,000 | 83,267,000 | 86,791,000 |
| Noninterest-bearing deposits | 13,602,000 | 13,790,000 | 12,725,000 | 16,349,000 |
| Equity capital | 12,022,000 | 12,370,000 | 12,418,000 | 12,134,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,469,000 | 2,982,000 | 4,536,000 | 6,136,000 |
| Interest expense | 401,000 | 812,000 | 1,260,000 | 1,773,000 |
| Net interest income | 1,068,000 | 2,170,000 | 3,276,000 | 4,363,000 |
| Noninterest income | 209,000 | 439,000 | 670,000 | 930,000 |
| Noninterest expense | 975,000 | 1,921,000 | 2,919,000 | 4,157,000 |
| Provision for loan losses | 90,000 | 185,000 | 275,000 | 275,000 |
| Pretax income | 214,000 | 505,000 | 750,000 | 859,000 |
| Income tax | 50,000 | 135,000 | 210,000 | 249,000 |
| Net income | 164,000 | 370,000 | 540,000 | 610,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,434,000 | 12,566,000 | 12,736,000 | 12,641,000 |
| Total capital | 13,345,000 | 13,466,000 | 13,681,000 | 13,610,000 |
| Risk-weighted assets | 72,746,000 | 71,798,000 | 75,338,000 | 77,405,000 |
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