Call reports 2012
INTERNATIONAL BANK OF AMHERST, THE — 2012
What INTERNATIONAL BANK OF AMHERST, 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 | 49,768,000 | 49,268,000 | 49,873,000 | 52,012,000 |
| Total loans | 30,651,000 | 30,751,000 | 31,565,000 | 30,771,000 |
| Allowance for loan losses | 304,000 | 305,000 | 310,000 | 310,000 |
| Securities available for sale | 0 | 468,000 | 0 | 0 |
| Securities held to maturity | 13,741,000 | 13,896,000 | 13,710,000 | 13,645,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,639,000 | 42,061,000 | 42,621,000 | 44,764,000 |
| Interest-bearing deposits | 34,656,000 | 34,584,000 | 34,196,000 | 35,376,000 |
| Noninterest-bearing deposits | 7,983,000 | 7,477,000 | 8,425,000 | 9,388,000 |
| Equity capital | 6,954,000 | 7,022,000 | 7,063,000 | 7,059,000 |
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 | 525,000 | 1,034,000 | 1,532,000 | 2,014,000 |
| Interest expense | 49,000 | 91,000 | 130,000 | 164,000 |
| Net interest income | 476,000 | 943,000 | 1,402,000 | 1,850,000 |
| Noninterest income | 65,000 | 135,000 | 197,000 | 252,000 |
| Noninterest expense | 348,000 | 714,000 | 1,090,000 | 1,498,000 |
| Provision for loan losses | 0 | 0 | 5,000 | 5,000 |
| Pretax income | 193,000 | 364,000 | 505,000 | 600,000 |
| Income tax | 1,000 | 2,000 | 4,000 | 3,000 |
| Net income | 192,000 | 362,000 | 501,000 | 597,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,954,000 | 7,024,000 | 7,063,000 | 7,059,000 |
| Total capital | 7,258,000 | 7,329,000 | 7,373,000 | 7,369,000 |
| Risk-weighted assets | 27,214,000 | 27,620,000 | 27,659,000 | 27,298,000 |