Call reports 2016
INTERNATIONAL BANK OF AMHERST, THE — 2016
What INTERNATIONAL BANK OF AMHERST, THE reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 59,344,000 | 60,244,000 | 60,548,000 | 63,177,000 |
| Total loans | 32,407,000 | 33,939,000 | 35,103,000 | 34,180,000 |
| Allowance for loan losses | 344,000 | 344,000 | 352,000 | 352,000 |
| Securities available for sale | 2,012,000 | 2,016,000 | 1,012,000 | 3,001,000 |
| Securities held to maturity | 19,245,000 | 19,381,000 | 19,328,000 | 20,419,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,864,000 | 51,690,000 | 51,849,000 | 54,359,000 |
| Interest-bearing deposits | 39,158,000 | 38,956,000 | 39,478,000 | 40,070,000 |
| Noninterest-bearing deposits | 11,706,000 | 12,734,000 | 12,371,000 | 14,289,000 |
| Equity capital | 8,336,000 | 8,413,000 | 8,560,000 | 8,668,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 550,000 | 1,108,000 | 1,683,000 | 2,267,000 |
| Interest expense | 22,000 | 43,000 | 65,000 | 88,000 |
| Net interest income | 528,000 | 1,065,000 | 1,618,000 | 2,179,000 |
| Noninterest income | 65,000 | 118,000 | 183,000 | 244,000 |
| Noninterest expense | 404,000 | 819,000 | 1,177,000 | 1,572,000 |
| Provision for loan losses | 0 | 0 | 8,000 | 8,000 |
| Pretax income | 189,000 | 364,000 | 616,000 | 843,000 |
| Income tax | 1,000 | 2,000 | 2,000 | 4,000 |
| Net income | 188,000 | 362,000 | 614,000 | 839,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,323,000 | 8,397,000 | 8,548,000 | 8,675,000 |
| Total capital | 8,667,000 | 8,741,000 | 8,900,000 | 9,027,000 |
| Risk-weighted assets | 30,119,000 | 32,469,000 | 32,840,000 | 32,853,000 |