Call reports 2015
INTERNATIONAL BANK OF AMHERST, THE — 2015
What INTERNATIONAL BANK OF AMHERST, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 53,716,000 | 54,807,000 | 56,758,000 | 60,076,000 |
| Total loans | 33,195,000 | 34,170,000 | 33,290,000 | 33,122,000 |
| Allowance for loan losses | 328,000 | 344,000 | 344,000 | 344,000 |
| Securities available for sale | 1,009,000 | 1,005,000 | 1,011,000 | 1,999,000 |
| Securities held to maturity | 15,044,000 | 15,678,000 | 17,178,000 | 18,713,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,650,000 | 46,629,000 | 48,455,000 | 51,691,000 |
| Interest-bearing deposits | 35,563,000 | 35,909,000 | 37,452,000 | 38,800,000 |
| Noninterest-bearing deposits | 10,087,000 | 10,720,000 | 11,003,000 | 12,891,000 |
| Equity capital | 7,928,000 | 8,033,000 | 8,159,000 | 8,236,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 510,000 | 1,054,000 | 1,594,000 | 2,193,000 |
| Interest expense | 20,000 | 40,000 | 61,000 | 83,000 |
| Net interest income | 490,000 | 1,014,000 | 1,533,000 | 2,110,000 |
| Noninterest income | 71,000 | 144,000 | 215,000 | 274,000 |
| Noninterest expense | 380,000 | 777,000 | 1,146,000 | 1,569,000 |
| Provision for loan losses | 7,000 | 23,000 | 23,000 | 23,000 |
| Pretax income | 175,000 | 359,000 | 580,000 | 793,000 |
| Income tax | 1,000 | 1,000 | 2,000 | 3,000 |
| Net income | 174,000 | 358,000 | 578,000 | 790,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,919,000 | 8,028,000 | 8,148,000 | 8,235,000 |
| Total capital | 8,247,000 | 8,372,000 | 8,492,000 | 8,579,000 |
| Risk-weighted assets | 31,312,000 | 32,176,000 | 29,670,000 | 30,340,000 |