Call reports 2008
AMBOY BANK — 2008
What AMBOY BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 2,695,636,000 | 2,641,768,000 | 2,575,682,000 | 2,467,639,000 |
| Total loans | 1,981,985,000 | 1,975,217,000 | 1,905,283,000 | 1,919,308,000 |
| Allowance for loan losses | 68,339,000 | 63,435,000 | 62,020,000 | 65,591,000 |
| Securities available for sale | 32,191,000 | 29,582,000 | 27,988,000 | 103,921,000 |
| Securities held to maturity | 538,687,000 | 508,882,000 | 441,088,000 | 340,490,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,917,093,000 | 1,978,268,000 | 1,942,225,000 | 1,932,474,000 |
| Interest-bearing deposits | 1,864,271,000 | 1,921,454,000 | 1,888,110,000 | 1,811,058,000 |
| Noninterest-bearing deposits | 52,822,000 | 56,814,000 | 54,115,000 | 121,416,000 |
| Equity capital | 272,468,000 | 261,932,000 | 275,984,000 | 159,264,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 40,988,000 | 78,534,000 | 114,844,000 | 146,932,000 |
| Interest expense | 20,056,000 | 36,648,000 | 51,723,000 | 66,410,000 |
| Net interest income | 20,932,000 | 41,886,000 | 63,121,000 | 80,522,000 |
| Noninterest income | 1,820,000 | 2,849,000 | 3,073,000 | 5,428,000 |
| Noninterest expense | 9,247,000 | 18,156,000 | 25,965,000 | 33,100,000 |
| Provision for loan losses | 0 | 9,000,000 | 9,000,000 | 45,000,000 |
| Pretax income | 13,505,000 | 17,579,000 | 31,229,000 | -83,421,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 13,505,000 | 17,579,000 | 31,229,000 | -83,421,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 271,538,000 | 261,913,000 | 275,561,000 | 156,913,000 |
| Total capital | 300,760,000 | 290,923,000 | 304,513,000 | 188,279,000 |
| Risk-weighted assets | 2,296,123,000 | 2,283,852,000 | 2,280,578,000 | 2,473,494,000 |