Call reports 2012
FIRST NATIONAL BANK IN AMBOY, THE — 2012
What FIRST NATIONAL BANK IN AMBOY, THE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 174,469,000 | 168,117,000 | 167,618,000 | 168,424,000 |
| Total loans | 73,823,000 | 72,706,000 | 74,689,000 | 72,425,000 |
| Allowance for loan losses | 1,080,000 | 1,020,000 | 1,032,000 | 1,003,000 |
| Securities available for sale | 80,930,000 | 79,778,000 | 75,666,000 | 82,421,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 153,038,000 | 145,366,000 | 144,157,000 | 146,607,000 |
| Interest-bearing deposits | 132,106,000 | 123,771,000 | 123,052,000 | 123,381,000 |
| Noninterest-bearing deposits | 20,932,000 | 21,595,000 | 21,105,000 | 23,226,000 |
| Equity capital | 18,745,000 | 17,803,000 | 18,670,000 | 19,166,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,675,000 | 3,331,000 | 4,948,000 | 6,558,000 |
| Interest expense | 269,000 | 505,000 | 720,000 | 927,000 |
| Net interest income | 1,406,000 | 2,826,000 | 4,228,000 | 5,631,000 |
| Noninterest income | 410,000 | 810,000 | 1,220,000 | 1,680,000 |
| Noninterest expense | 1,288,000 | 2,434,000 | 3,603,000 | 4,929,000 |
| Provision for loan losses | 140,000 | 1,790,000 | 1,790,000 | 1,540,000 |
| Pretax income | 391,000 | -570,000 | 82,000 | 900,000 |
| Income tax | 16,000 | 16,000 | 16,000 | 16,000 |
| Net income | 375,000 | -586,000 | 66,000 | 884,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,625,000 | 15,566,000 | 16,201,000 | 16,983,000 |
| Total capital | 17,705,000 | 16,586,000 | 17,233,000 | 17,986,000 |
| Risk-weighted assets | 93,650,000 | 89,122,000 | 93,406,000 | 90,933,000 |