Call reports 2010
AMBOY BANK — 2010
What AMBOY BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 2,614,473,000 | 2,565,549,000 | 2,497,891,000 | 2,406,797,000 |
| Total loans | 1,724,591,000 | 1,648,133,000 | 1,630,166,000 | 1,565,761,000 |
| Allowance for loan losses | 63,530,000 | 54,033,000 | 54,495,000 | 53,932,000 |
| Securities available for sale | 73,254,000 | 175,294,000 | 173,722,000 | 180,454,000 |
| Securities held to maturity | 319,488,000 | 224,105,000 | 218,667,000 | 279,572,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,038,178,000 | 1,987,994,000 | 1,906,226,000 | 1,812,832,000 |
| Interest-bearing deposits | 1,989,918,000 | 1,935,259,000 | 1,854,517,000 | 1,755,817,000 |
| Noninterest-bearing deposits | 48,260,000 | 52,735,000 | 51,709,000 | 57,015,000 |
| Equity capital | 198,290,000 | 197,979,000 | 208,000,000 | 213,031,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 27,031,000 | 52,569,000 | 77,668,000 | 103,030,000 |
| Interest expense | 9,172,000 | 17,242,000 | 24,714,000 | 31,788,000 |
| Net interest income | 17,859,000 | 35,327,000 | 52,954,000 | 71,242,000 |
| Noninterest income | 3,577,000 | 2,659,000 | 8,595,000 | 13,254,000 |
| Noninterest expense | 14,112,000 | 33,227,000 | 49,365,000 | 66,849,000 |
| Provision for loan losses | 5,000,000 | 5,000,000 | 5,000,000 | 5,000,000 |
| Pretax income | 1,662,000 | 696,000 | 8,641,000 | 14,116,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,662,000 | 696,000 | 8,641,000 | 14,116,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 267,050,000 | 266,091,000 | 277,168,000 | 282,643,000 |
| Total capital | 297,217,000 | 294,955,000 | 305,633,000 | 311,629,000 |
| Risk-weighted assets | 2,378,514,000 | 2,282,449,000 | 2,249,691,000 | 2,292,910,000 |