Call reports 2003
AMBOY BANK — 2003
What AMBOY BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 1,988,897,000 | 2,186,538,000 | 2,251,339,000 | 2,242,740,000 |
| Total loans | 1,403,641,000 | 1,457,339,000 | 1,514,457,000 | 1,541,981,000 |
| Allowance for loan losses | 36,402,000 | 37,453,000 | 38,331,000 | 40,587,000 |
| Securities available for sale | 244,517,000 | 200,291,000 | 141,063,000 | 126,101,000 |
| Securities held to maturity | 193,244,000 | 301,953,000 | 361,153,000 | 303,484,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,425,561,000 | 1,517,015,000 | 1,564,949,000 | 1,575,481,000 |
| Interest-bearing deposits | 1,364,751,000 | 1,452,224,000 | 1,510,384,000 | 1,514,226,000 |
| Noninterest-bearing deposits | 60,810,000 | 64,791,000 | 54,565,000 | 61,255,000 |
| Equity capital | 171,464,000 | 187,660,000 | 190,134,000 | 187,281,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 29,052,000 | 57,469,000 | 86,704,000 | 117,583,000 |
| Interest expense | 8,146,000 | 16,730,000 | 25,302,000 | 33,729,000 |
| Net interest income | 20,906,000 | 40,739,000 | 61,402,000 | 83,854,000 |
| Noninterest income | 1,946,000 | 7,453,000 | 10,644,000 | 16,383,000 |
| Noninterest expense | 7,795,000 | 12,610,000 | 19,018,000 | 29,308,000 |
| Provision for loan losses | 875,000 | 1,750,000 | 2,625,000 | 4,500,000 |
| Pretax income | 14,282,000 | 33,819,000 | 50,400,000 | 66,426,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 14,282,000 | 33,819,000 | 50,400,000 | 66,426,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 163,291,000 | 178,328,000 | 184,709,000 | 180,735,000 |
| Total capital | 183,359,000 | 199,399,000 | 206,867,000 | 203,529,000 |
| Risk-weighted assets | 1,589,090,000 | 1,669,281,000 | 1,756,427,000 | 1,805,746,000 |