Call reports 2009
FIRST NATIONAL BANK IN AMBOY, THE — 2009
What FIRST NATIONAL BANK IN AMBOY, THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 141,126,000 | 142,973,000 | 143,972,000 | 154,141,000 |
| Total loans | 74,760,000 | 77,368,000 | 77,654,000 | 78,523,000 |
| Allowance for loan losses | 1,065,000 | 1,159,000 | 1,217,000 | 1,084,000 |
| Securities available for sale | 45,487,000 | 47,880,000 | 48,268,000 | 55,145,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 121,802,000 | 124,657,000 | 125,327,000 | 135,774,000 |
| Interest-bearing deposits | 104,768,000 | 106,756,000 | 111,141,000 | 118,068,000 |
| Noninterest-bearing deposits | 17,034,000 | 17,901,000 | 14,186,000 | 17,706,000 |
| Equity capital | 15,391,000 | 15,122,000 | 15,684,000 | 15,838,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,672,000 | 3,369,000 | 5,095,000 | 6,821,000 |
| Interest expense | 609,000 | 1,190,000 | 1,766,000 | 2,313,000 |
| Net interest income | 1,063,000 | 2,179,000 | 3,329,000 | 4,508,000 |
| Noninterest income | 353,000 | 714,000 | 1,047,000 | 1,397,000 |
| Noninterest expense | 1,033,000 | 2,188,000 | 3,269,000 | 4,374,000 |
| Provision for loan losses | 60,000 | 140,000 | 205,000 | 280,000 |
| Pretax income | 324,000 | 566,000 | 903,000 | 1,253,000 |
| Income tax | 3,000 | 5,000 | 8,000 | 12,000 |
| Net income | 321,000 | 561,000 | 895,000 | 1,241,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,361,000 | 14,303,000 | 14,555,000 | 14,749,000 |
| Total capital | 15,426,000 | 15,391,000 | 15,680,000 | 15,833,000 |
| Risk-weighted assets | 85,046,000 | 87,803,000 | 89,936,000 | 90,781,000 |