Call reports 2005
INTERNATIONAL BANK OF AMHERST, THE — 2005
What INTERNATIONAL BANK OF AMHERST, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 38,718,000 | 38,761,000 | 39,999,000 | 39,889,000 |
| Total loans | 25,556,000 | 26,532,000 | 26,461,000 | 26,804,000 |
| Allowance for loan losses | 261,000 | 276,000 | 261,000 | 241,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 9,073,000 | 9,058,000 | 9,050,000 | 9,051,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,417,000 | 33,117,000 | 34,211,000 | 34,110,000 |
| Interest-bearing deposits | 28,028,000 | 27,179,000 | 27,620,000 | 28,112,000 |
| Noninterest-bearing deposits | 5,389,000 | 5,938,000 | 6,591,000 | 5,998,000 |
| Equity capital | 5,166,000 | 5,215,000 | 5,341,000 | 5,345,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 503,000 | 1,021,000 | 1,593,000 | 2,132,000 |
| Interest expense | 109,000 | 228,000 | 369,000 | 525,000 |
| Net interest income | 394,000 | 793,000 | 1,224,000 | 1,607,000 |
| Noninterest income | 63,000 | 110,000 | 171,000 | 224,000 |
| Noninterest expense | 278,000 | 579,000 | 866,000 | 1,184,000 |
| Provision for loan losses | 0 | 16,000 | 16,000 | 16,000 |
| Pretax income | 179,000 | 308,000 | 513,000 | 631,000 |
| Income tax | 4,000 | 9,000 | 13,000 | 15,000 |
| Net income | 175,000 | 299,000 | 500,000 | 616,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,166,000 | 5,215,000 | 5,341,000 | 5,345,000 |
| Total capital | 5,427,000 | 5,491,000 | 5,602,000 | 5,586,000 |
| Risk-weighted assets | 22,961,000 | 23,364,000 | 23,597,000 | 23,848,000 |
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