Call reports 2010
FIRST NATIONAL BANK IN AMBOY, THE — 2010
What FIRST NATIONAL BANK IN AMBOY, THE reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 152,246,000 | 153,382,000 | 161,007,000 | 167,908,000 |
| Total loans | 76,185,000 | 77,175,000 | 80,391,000 | 82,805,000 |
| Allowance for loan losses | 1,171,000 | 1,045,000 | 862,000 | 1,098,000 |
| Securities available for sale | 61,285,000 | 58,278,000 | 63,089,000 | 68,934,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 133,911,000 | 134,957,000 | 142,282,000 | 149,706,000 |
| Interest-bearing deposits | 118,289,000 | 118,638,000 | 127,298,000 | 131,849,000 |
| Noninterest-bearing deposits | 15,622,000 | 16,319,000 | 14,984,000 | 17,857,000 |
| Equity capital | 16,087,000 | 16,551,000 | 16,901,000 | 15,881,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,723,000 | 3,489,000 | 5,243,000 | 6,954,000 |
| Interest expense | 493,000 | 969,000 | 1,439,000 | 1,885,000 |
| Net interest income | 1,230,000 | 2,520,000 | 3,804,000 | 5,069,000 |
| Noninterest income | 336,000 | 702,000 | 1,071,000 | 1,533,000 |
| Noninterest expense | 1,099,000 | 2,330,000 | 3,511,000 | 4,630,000 |
| Provision for loan losses | 75,000 | 180,000 | 345,000 | 690,000 |
| Pretax income | 392,000 | 712,000 | 1,019,000 | 1,282,000 |
| Income tax | 4,000 | 7,000 | 11,000 | 11,000 |
| Net income | 388,000 | 705,000 | 1,008,000 | 1,271,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,980,000 | 15,047,000 | 15,219,000 | 15,421,000 |
| Total capital | 16,124,000 | 16,092,000 | 16,081,000 | 16,519,000 |
| Risk-weighted assets | 91,479,000 | 92,150,000 | 95,731,000 | 99,130,000 |