Call reports 2014
AMBOY BANK — 2014
What AMBOY BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 2,169,963,000 | 2,183,934,000 | 2,152,279,000 | 2,227,712,000 |
| Total loans | 1,362,634,000 | 1,388,626,000 | 1,454,364,000 | 1,508,986,000 |
| Allowance for loan losses | 59,028,000 | 60,264,000 | 60,254,000 | 35,690,000 |
| Securities available for sale | 149,406,000 | 105,138,000 | 72,367,000 | 61,174,000 |
| Securities held to maturity | 325,541,000 | 394,414,000 | 393,684,000 | 365,803,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,634,941,000 | 1,638,304,000 | 1,607,776,000 | 1,656,896,000 |
| Interest-bearing deposits | 1,588,435,000 | 1,583,839,000 | 1,507,658,000 | 1,600,063,000 |
| Noninterest-bearing deposits | 46,506,000 | 54,465,000 | 100,118,000 | 56,833,000 |
| Equity capital | 238,499,000 | 247,667,000 | 240,326,000 | 277,462,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 18,960,000 | 38,449,000 | 58,619,000 | 78,991,000 |
| Interest expense | 3,779,000 | 7,655,000 | 11,571,000 | 15,530,000 |
| Net interest income | 15,181,000 | 30,794,000 | 47,048,000 | 63,461,000 |
| Noninterest income | 3,107,000 | 9,803,000 | 11,728,000 | 17,628,000 |
| Noninterest expense | 12,515,000 | 26,412,000 | 38,975,000 | 52,970,000 |
| Provision for loan losses | 0 | 0 | 0 | -25,000,000 |
| Pretax income | 5,658,000 | 13,972,000 | 15,440,000 | 52,098,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 5,658,000 | 13,972,000 | 15,440,000 | 52,098,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 298,722,000 | 307,035,000 | 296,928,000 | 333,189,000 |
| Total capital | 323,439,000 | 331,839,000 | 322,295,000 | 358,630,000 |
| Risk-weighted assets | 1,941,696,000 | 1,947,501,000 | 1,993,100,000 | 2,023,707,000 |