Call reports 2004
INTERNATIONAL BANK OF AMHERST, THE — 2004
What INTERNATIONAL BANK OF AMHERST, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 38,057,000 | 38,406,000 | 39,382,000 | 38,846,000 |
| Total loans | 24,084,000 | 24,025,000 | 25,506,000 | 25,933,000 |
| Allowance for loan losses | 246,000 | 247,000 | 249,000 | 258,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 8,132,000 | 9,611,000 | 9,097,000 | 9,083,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,073,000 | 33,333,000 | 34,184,000 | 33,649,000 |
| Interest-bearing deposits | 28,305,000 | 28,303,000 | 28,987,000 | 28,330,000 |
| Noninterest-bearing deposits | 4,768,000 | 5,030,000 | 5,197,000 | 5,319,000 |
| Equity capital | 4,879,000 | 4,964,000 | 5,075,000 | 5,066,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 501,000 | 998,000 | 1,498,000 | 2,024,000 |
| Interest expense | 105,000 | 205,000 | 302,000 | 401,000 |
| Net interest income | 396,000 | 793,000 | 1,196,000 | 1,623,000 |
| Noninterest income | 46,000 | 98,000 | 144,000 | 186,000 |
| Noninterest expense | 267,000 | 551,000 | 807,000 | 1,149,000 |
| Provision for loan losses | 0 | 0 | 3,000 | 22,000 |
| Pretax income | 175,000 | 340,000 | 530,000 | 638,000 |
| Income tax | 4,000 | 9,000 | 13,000 | 17,000 |
| Net income | 171,000 | 331,000 | 517,000 | 621,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,879,000 | 4,964,000 | 5,075,000 | 5,066,000 |
| Total capital | 5,125,000 | 5,211,000 | 5,324,000 | 5,324,000 |
| Risk-weighted assets | 21,559,000 | 21,627,000 | 23,126,000 | 23,290,000 |
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