Call reports 2008
FIRST NATIONAL BANK IN AMBOY, THE — 2008
What FIRST NATIONAL BANK IN AMBOY, THE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 128,613,000 | 128,790,000 | 132,429,000 | 140,767,000 |
| Total loans | 71,420,000 | 73,306,000 | 72,828,000 | 78,324,000 |
| Allowance for loan losses | 1,053,000 | 1,041,000 | 947,000 | 1,000,000 |
| Securities available for sale | 46,657,000 | 43,192,000 | 45,958,000 | 45,790,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 110,907,000 | 112,476,000 | 114,737,000 | 122,666,000 |
| Interest-bearing deposits | 95,996,000 | 95,669,000 | 98,154,000 | 103,626,000 |
| Noninterest-bearing deposits | 14,911,000 | 16,807,000 | 16,583,000 | 19,040,000 |
| Equity capital | 14,250,000 | 13,395,000 | 13,809,000 | 15,000,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,868,000 | 3,732,000 | 5,446,000 | 7,282,000 |
| Interest expense | 816,000 | 1,596,000 | 2,351,000 | 3,080,000 |
| Net interest income | 1,052,000 | 2,136,000 | 3,095,000 | 4,202,000 |
| Noninterest income | 293,000 | 565,000 | 994,000 | 1,286,000 |
| Noninterest expense | 975,000 | 1,984,000 | 2,974,000 | 3,982,000 |
| Provision for loan losses | 0 | 0 | 0 | 50,000 |
| Pretax income | 381,000 | 750,000 | 1,148,000 | 1,489,000 |
| Income tax | 2,000 | 4,000 | 7,000 | 10,000 |
| Net income | 379,000 | 746,000 | 1,141,000 | 1,479,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,708,000 | 13,766,000 | 14,019,000 | 14,178,000 |
| Total capital | 14,705,000 | 14,794,000 | 14,966,000 | 15,178,000 |
| Risk-weighted assets | 79,756,000 | 82,229,000 | 83,627,000 | 87,819,000 |