Call reports 2007
AMBOY BANK — 2007
What AMBOY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 2,932,708,000 | 2,859,005,000 | 2,688,855,000 | 2,594,308,000 |
| Total loans | 2,151,849,000 | 2,121,724,000 | 2,080,579,000 | 2,015,423,000 |
| Allowance for loan losses | 59,914,000 | 52,776,000 | 56,601,000 | 68,353,000 |
| Securities available for sale | 66,994,000 | 36,209,000 | 34,242,000 | 32,964,000 |
| Securities held to maturity | 371,732,000 | 352,445,000 | 372,477,000 | 419,383,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,171,594,000 | 2,104,467,000 | 1,962,645,000 | 1,863,744,000 |
| Interest-bearing deposits | 2,109,338,000 | 2,045,904,000 | 1,923,293,000 | 1,815,698,000 |
| Noninterest-bearing deposits | 62,256,000 | 58,563,000 | 39,352,000 | 48,046,000 |
| Equity capital | 261,190,000 | 276,853,000 | 282,115,000 | 268,993,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 53,484,000 | 103,677,000 | 156,616,000 | 202,989,000 |
| Interest expense | 25,527,000 | 51,206,000 | 75,850,000 | 98,014,000 |
| Net interest income | 27,957,000 | 52,471,000 | 80,766,000 | 104,975,000 |
| Noninterest income | 1,554,000 | 4,545,000 | 8,323,000 | 11,000,000 |
| Noninterest expense | 8,075,000 | 15,550,000 | 22,979,000 | 30,197,000 |
| Provision for loan losses | 0 | 0 | 3,500,000 | 15,500,000 |
| Pretax income | 21,927,000 | 42,800,000 | 63,949,000 | 71,617,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 21,927,000 | 42,800,000 | 63,949,000 | 71,617,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 260,343,000 | 277,714,000 | 282,365,000 | 268,532,000 |
| Total capital | 290,142,000 | 306,949,000 | 310,526,000 | 296,499,000 |
| Risk-weighted assets | 2,351,314,000 | 2,312,785,000 | 2,221,979,000 | 2,194,501,000 |