Call reports 2016
AMBOY BANK — 2016
What AMBOY BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 2,287,547,000 | 2,323,577,000 | 2,381,979,000 | 2,432,056,000 |
| Total loans | 1,729,834,000 | 1,783,514,000 | 1,823,083,000 | 1,871,565,000 |
| Allowance for loan losses | 28,573,000 | 28,902,000 | 29,220,000 | 29,257,000 |
| Securities available for sale | 55,756,000 | 55,751,000 | 58,185,000 | 50,981,000 |
| Securities held to maturity | 321,997,000 | 305,471,000 | 292,215,000 | 311,295,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,732,316,000 | 1,764,328,000 | 1,780,820,000 | 1,814,417,000 |
| Interest-bearing deposits | 1,661,146,000 | 1,692,575,000 | 1,699,014,000 | 1,720,156,000 |
| Noninterest-bearing deposits | 71,170,000 | 71,753,000 | 81,806,000 | 94,261,000 |
| Equity capital | 301,490,000 | 304,933,000 | 313,808,000 | 313,789,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 22,287,000 | 44,947,000 | 66,974,000 | 90,805,000 |
| Interest expense | 3,309,000 | 6,847,000 | 10,376,000 | 13,953,000 |
| Net interest income | 18,978,000 | 38,100,000 | 56,598,000 | 76,852,000 |
| Noninterest income | 2,549,000 | 6,019,000 | 9,029,000 | 9,460,000 |
| Noninterest expense | 12,724,000 | 24,153,000 | 35,343,000 | 47,234,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 8,803,000 | 19,446,000 | 29,764,000 | 37,172,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 8,803,000 | 19,446,000 | 29,764,000 | 37,172,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 314,882,000 | 317,249,000 | 326,065,000 | 326,614,000 |
| Total capital | 344,810,000 | 347,506,000 | 356,640,000 | 357,226,000 |
| Risk-weighted assets | 2,599,118,000 | 2,606,807,000 | 2,621,481,000 | 2,670,113,000 |