Call reports 2015
AMBOY BANK — 2015
What AMBOY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 2,245,039,000 | 2,290,217,000 | 2,223,467,000 | 2,281,341,000 |
| Total loans | 1,523,970,000 | 1,546,373,000 | 1,631,611,000 | 1,705,620,000 |
| Allowance for loan losses | 37,400,000 | 29,472,000 | 29,563,000 | 28,688,000 |
| Securities available for sale | 56,883,000 | 43,029,000 | 48,968,000 | 55,703,000 |
| Securities held to maturity | 352,297,000 | 339,574,000 | 328,685,000 | 323,461,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,665,237,000 | 1,696,371,000 | 1,672,836,000 | 1,736,297,000 |
| Interest-bearing deposits | 1,602,273,000 | 1,633,294,000 | 1,607,583,000 | 1,663,955,000 |
| Noninterest-bearing deposits | 62,964,000 | 63,077,000 | 65,253,000 | 72,342,000 |
| Equity capital | 283,008,000 | 288,403,000 | 281,772,000 | 293,659,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 20,431,000 | 41,000,000 | 62,158,000 | 83,917,000 |
| Interest expense | 3,964,000 | 8,068,000 | 11,197,000 | 14,377,000 |
| Net interest income | 16,467,000 | 32,932,000 | 50,961,000 | 69,540,000 |
| Noninterest income | 2,454,000 | 3,224,000 | 1,754,000 | 6,214,000 |
| Noninterest expense | 12,794,000 | 30,573,000 | 54,174,000 | 65,935,000 |
| Provision for loan losses | 0 | -6,000,000 | -6,000,000 | -6,000,000 |
| Pretax income | 6,151,000 | 11,648,000 | 5,877,000 | 17,069,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 6,151,000 | 11,648,000 | 5,877,000 | 17,069,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 285,139,000 | 296,548,000 | 295,458,000 | 307,761,000 |
| Total capital | 315,280,000 | 327,316,000 | 326,183,000 | 337,804,000 |
| Risk-weighted assets | 2,350,099,000 | 2,415,072,000 | 2,417,899,000 | 2,480,665,000 |