Call reports 2012
AMBOY BANK — 2012
What AMBOY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 2,249,716,000 | 2,245,832,000 | 2,219,376,000 | 2,202,002,000 |
| Total loans | 1,432,482,000 | 1,400,926,000 | 1,369,637,000 | 1,368,650,000 |
| Allowance for loan losses | 60,104,000 | 60,617,000 | 59,159,000 | 60,617,000 |
| Securities available for sale | 195,243,000 | 241,053,000 | 254,063,000 | 230,413,000 |
| Securities held to maturity | 335,532,000 | 317,184,000 | 291,511,000 | 290,213,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,751,226,000 | 1,750,430,000 | 1,711,317,000 | 1,697,358,000 |
| Interest-bearing deposits | 1,695,515,000 | 1,705,453,000 | 1,675,385,000 | 1,648,782,000 |
| Noninterest-bearing deposits | 55,711,000 | 44,977,000 | 35,932,000 | 48,576,000 |
| Equity capital | 205,902,000 | 198,953,000 | 206,510,000 | 200,947,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 21,955,000 | 43,137,000 | 64,314,000 | 84,371,000 |
| Interest expense | 5,091,000 | 9,637,000 | 14,005,000 | 18,263,000 |
| Net interest income | 16,864,000 | 33,500,000 | 50,309,000 | 66,108,000 |
| Noninterest income | 7,485,000 | 8,062,000 | 13,024,000 | 14,924,000 |
| Noninterest expense | 11,123,000 | 28,764,000 | 42,598,000 | 60,215,000 |
| Provision for loan losses | 0 | 5,675,000 | 5,675,000 | 7,103,000 |
| Pretax income | 13,050,000 | 6,487,000 | 13,548,000 | 10,970,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 13,050,000 | 6,487,000 | 13,548,000 | 10,970,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 265,576,000 | 259,014,000 | 266,074,000 | 263,497,000 |
| Total capital | 293,463,000 | 286,941,000 | 293,105,000 | 290,059,000 |
| Risk-weighted assets | 2,197,739,000 | 2,200,502,000 | 2,129,375,000 | 2,089,870,000 |