Call reports 2006
AMBOY BANK — 2006
What AMBOY BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 2,607,077,000 | 2,659,396,000 | 2,749,995,000 | 2,825,566,000 |
| Total loans | 2,086,931,000 | 2,109,261,000 | 2,184,373,000 | 2,173,845,000 |
| Allowance for loan losses | 48,280,000 | 49,080,000 | 58,580,000 | 59,828,000 |
| Securities available for sale | 81,976,000 | 78,840,000 | 75,431,000 | 73,321,000 |
| Securities held to maturity | 340,356,000 | 343,159,000 | 337,824,000 | 369,652,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,821,652,000 | 1,890,434,000 | 1,995,714,000 | 2,078,179,000 |
| Interest-bearing deposits | 1,744,062,000 | 1,820,519,000 | 1,945,558,000 | 2,015,380,000 |
| Noninterest-bearing deposits | 77,590,000 | 69,915,000 | 50,156,000 | 62,799,000 |
| Equity capital | 221,112,000 | 228,733,000 | 236,640,000 | 239,542,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 47,585,000 | 97,859,000 | 152,287,000 | 207,404,000 |
| Interest expense | 18,226,000 | 38,153,000 | 60,886,000 | 85,960,000 |
| Net interest income | 29,359,000 | 59,706,000 | 91,401,000 | 121,444,000 |
| Noninterest income | 4,244,000 | 7,674,000 | 8,372,000 | 9,827,000 |
| Noninterest expense | 7,474,000 | 15,191,000 | 22,500,000 | 30,385,000 |
| Provision for loan losses | 1,500,000 | 3,500,000 | 13,000,000 | 14,000,000 |
| Pretax income | 24,629,000 | 48,689,000 | 64,273,000 | 86,886,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 24,629,000 | 48,689,000 | 64,273,000 | 86,886,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 219,559,000 | 228,118,000 | 235,703,000 | 238,416,000 |
| Total capital | 248,846,000 | 257,655,000 | 265,976,000 | 268,337,000 |
| Risk-weighted assets | 2,321,504,000 | 2,340,930,000 | 2,391,028,000 | 2,361,301,000 |