Call reports 2013
AMBOY BANK — 2013
What AMBOY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 2,162,434,000 | 2,175,468,000 | 2,158,095,000 | 2,132,556,000 |
| Total loans | 1,346,640,000 | 1,337,343,000 | 1,338,018,000 | 1,339,920,000 |
| Allowance for loan losses | 60,251,000 | 60,213,000 | 58,607,000 | 58,809,000 |
| Securities available for sale | 185,961,000 | 206,308,000 | 193,748,000 | 187,259,000 |
| Securities held to maturity | 300,307,000 | 320,482,000 | 320,956,000 | 324,026,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,652,280,000 | 1,663,194,000 | 1,621,479,000 | 1,602,097,000 |
| Interest-bearing deposits | 1,596,768,000 | 1,616,058,000 | 1,565,699,000 | 1,548,843,000 |
| Noninterest-bearing deposits | 55,512,000 | 47,136,000 | 55,780,000 | 53,254,000 |
| Equity capital | 211,909,000 | 218,838,000 | 226,370,000 | 232,122,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 18,952,000 | 38,944,000 | 58,203,000 | 77,949,000 |
| Interest expense | 4,035,000 | 7,942,000 | 11,824,000 | 15,655,000 |
| Net interest income | 14,917,000 | 31,002,000 | 46,379,000 | 62,294,000 |
| Noninterest income | 8,725,000 | 10,516,000 | 13,961,000 | 21,841,000 |
| Noninterest expense | 12,838,000 | 23,406,000 | 35,174,000 | 52,951,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 10,674,000 | 17,519,000 | 24,303,000 | 29,566,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 10,674,000 | 17,519,000 | 24,303,000 | 29,566,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 274,171,000 | 281,017,000 | 287,801,000 | 293,064,000 |
| Total capital | 300,067,000 | 306,403,000 | 312,935,000 | 317,805,000 |
| Risk-weighted assets | 2,036,296,000 | 1,995,072,000 | 1,976,243,000 | 1,943,896,000 |