Call reports 2002
AMBOY BANK — 2002
What AMBOY BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 1,709,549,000 | 1,694,198,000 | 1,858,068,000 | 1,937,787,000 |
| Total loans | 1,233,164,000 | 1,254,764,000 | 1,308,069,000 | 1,384,819,000 |
| Allowance for loan losses | 32,950,000 | 33,608,000 | 34,304,000 | 35,475,000 |
| Securities available for sale | 182,237,000 | 175,909,000 | 196,565,000 | 174,699,000 |
| Securities held to maturity | 137,857,000 | 148,864,000 | 200,584,000 | 217,682,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,379,188,000 | 1,364,521,000 | 1,386,093,000 | 1,411,933,000 |
| Interest-bearing deposits | 1,338,483,000 | 1,321,977,000 | 1,338,078,000 | 1,357,751,000 |
| Noninterest-bearing deposits | 40,705,000 | 42,544,000 | 48,015,000 | 54,182,000 |
| Equity capital | 172,962,000 | 154,919,000 | 160,630,000 | 165,837,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 27,559,000 | 55,733,000 | 84,713,000 | 115,329,000 |
| Interest expense | 8,815,000 | 17,312,000 | 26,234,000 | 35,355,000 |
| Net interest income | 18,744,000 | 38,421,000 | 58,479,000 | 79,974,000 |
| Noninterest income | 2,797,000 | 4,407,000 | 6,687,000 | 9,960,000 |
| Noninterest expense | 5,450,000 | 12,205,000 | 21,909,000 | 25,543,000 |
| Provision for loan losses | 750,000 | 1,500,000 | 2,250,000 | 3,500,000 |
| Pretax income | 15,307,000 | 29,089,000 | 40,973,000 | 60,351,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 15,307,000 | 29,089,000 | 40,973,000 | 60,351,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 174,115,000 | 151,347,000 | 154,631,000 | 159,009,000 |
| Total capital | 191,937,000 | 169,403,000 | 174,652,000 | 180,031,000 |
| Risk-weighted assets | 1,410,662,000 | 1,428,959,000 | 1,587,748,000 | 1,667,288,000 |