Call reports 2005
AMBOY BANK — 2005
What AMBOY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 2,400,876,000 | 2,592,356,000 | 2,549,762,000 | 2,560,055,000 |
| Total loans | 1,907,030,000 | 1,987,134,000 | 2,015,481,000 | 2,035,200,000 |
| Allowance for loan losses | 44,042,000 | 44,967,000 | 46,613,000 | 49,273,000 |
| Securities available for sale | 106,124,000 | 98,887,000 | 92,144,000 | 85,225,000 |
| Securities held to maturity | 326,820,000 | 335,175,000 | 355,955,000 | 361,996,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,720,938,000 | 1,808,222,000 | 1,756,518,000 | 1,795,043,000 |
| Interest-bearing deposits | 1,655,638,000 | 1,744,575,000 | 1,686,238,000 | 1,728,903,000 |
| Noninterest-bearing deposits | 65,300,000 | 63,647,000 | 70,280,000 | 66,140,000 |
| Equity capital | 191,533,000 | 199,644,000 | 208,881,000 | 210,461,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 37,062,000 | 77,711,000 | 121,882,000 | 168,027,000 |
| Interest expense | 11,082,000 | 24,510,000 | 39,940,000 | 56,644,000 |
| Net interest income | 25,980,000 | 53,201,000 | 81,942,000 | 111,383,000 |
| Noninterest income | 2,042,000 | 3,979,000 | 6,281,000 | 7,098,000 |
| Noninterest expense | 7,453,000 | 14,168,000 | 21,089,000 | 28,767,000 |
| Provision for loan losses | 875,000 | 1,750,000 | 3,375,000 | 6,500,000 |
| Pretax income | 19,694,000 | 41,262,000 | 63,759,000 | 83,214,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 19,694,000 | 41,262,000 | 63,759,000 | 83,214,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 187,910,000 | 195,978,000 | 205,975,000 | 208,430,000 |
| Total capital | 214,566,000 | 223,922,000 | 234,137,000 | 236,919,000 |
| Risk-weighted assets | 2,115,112,000 | 2,218,488,000 | 2,234,469,000 | 2,258,331,000 |