Call reports 2009
AMBOY BANK — 2009
What AMBOY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 2,662,029,000 | 2,741,965,000 | 2,800,382,000 | 2,732,522,000 |
| Total loans | 1,900,488,000 | 1,877,202,000 | 1,864,683,000 | 1,770,400,000 |
| Allowance for loan losses | 66,824,000 | 73,931,000 | 72,879,000 | 61,520,000 |
| Securities available for sale | 98,040,000 | 134,164,000 | 126,270,000 | 77,493,000 |
| Securities held to maturity | 329,541,000 | 309,640,000 | 287,669,000 | 263,438,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,125,756,000 | 2,164,236,000 | 2,203,166,000 | 2,149,421,000 |
| Interest-bearing deposits | 2,043,803,000 | 2,070,895,000 | 2,113,262,000 | 2,094,975,000 |
| Noninterest-bearing deposits | 81,953,000 | 93,341,000 | 89,904,000 | 54,446,000 |
| Equity capital | 155,393,000 | 196,332,000 | 208,599,000 | 195,878,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 30,819,000 | 61,080,000 | 91,627,000 | 121,796,000 |
| Interest expense | 13,204,000 | 25,024,000 | 36,110,000 | 46,355,000 |
| Net interest income | 17,615,000 | 36,056,000 | 55,517,000 | 75,441,000 |
| Noninterest income | 2,533,000 | 8,262,000 | 14,164,000 | 18,848,000 |
| Noninterest expense | 8,287,000 | 20,281,000 | 34,845,000 | 52,227,000 |
| Provision for loan losses | 13,500,000 | 21,000,000 | 21,000,000 | 21,000,000 |
| Pretax income | -3,330,000 | -10,631,000 | 168,000 | 515,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -3,330,000 | -10,631,000 | 168,000 | 515,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 215,061,000 | 256,174,000 | 266,974,000 | 265,395,000 |
| Total capital | 247,803,000 | 288,869,000 | 299,123,000 | 295,500,000 |
| Risk-weighted assets | 2,583,730,000 | 2,572,835,000 | 2,529,663,000 | 2,375,507,000 |