Call reports 2004
AMBOY BANK — 2004
What AMBOY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 2,255,851,000 | 2,249,976,000 | 2,277,876,000 | 2,285,219,000 |
| Total loans | 1,597,696,000 | 1,648,299,000 | 1,701,280,000 | 1,786,752,000 |
| Allowance for loan losses | 41,587,000 | 42,539,000 | 43,331,000 | 42,762,000 |
| Securities available for sale | 121,072,000 | 121,522,000 | 118,246,000 | 113,230,000 |
| Securities held to maturity | 425,278,000 | 361,809,000 | 350,166,000 | 317,357,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,573,684,000 | 1,562,653,000 | 1,554,902,000 | 1,615,813,000 |
| Interest-bearing deposits | 1,515,552,000 | 1,512,048,000 | 1,506,003,000 | 1,561,774,000 |
| Noninterest-bearing deposits | 58,132,000 | 50,605,000 | 48,899,000 | 54,039,000 |
| Equity capital | 205,540,000 | 211,208,000 | 225,768,000 | 187,716,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 29,506,000 | 59,498,000 | 91,283,000 | 125,468,000 |
| Interest expense | 8,092,000 | 16,379,000 | 25,059,000 | 34,553,000 |
| Net interest income | 21,414,000 | 43,119,000 | 66,224,000 | 90,915,000 |
| Noninterest income | 2,563,000 | 5,745,000 | 8,439,000 | 14,297,000 |
| Noninterest expense | 6,191,000 | 12,247,000 | 18,670,000 | 25,225,000 |
| Provision for loan losses | 875,000 | 1,750,000 | 2,500,000 | 3,500,000 |
| Pretax income | 16,911,000 | 34,850,000 | 53,476,000 | 76,470,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 16,911,000 | 34,850,000 | 53,476,000 | 76,470,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 196,646,000 | 207,585,000 | 219,211,000 | 181,716,000 |
| Total capital | 219,728,000 | 231,493,000 | 244,101,000 | 206,741,000 |
| Risk-weighted assets | 1,828,068,000 | 1,893,981,000 | 1,972,797,000 | 1,984,239,000 |