Call reports 2019
AMBOY BANK — 2019
What AMBOY BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 2,256,344,000 | 2,296,454,000 | 2,332,429,000 | 2,322,201,000 |
| Total loans | 1,679,216,000 | 1,670,736,000 | 1,639,498,000 | 1,621,708,000 |
| Allowance for loan losses | 32,357,000 | 32,881,000 | 33,034,000 | 31,358,000 |
| Securities available for sale | 369,192,000 | 307,223,000 | 448,537,000 | 482,778,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,851,888,000 | 1,879,530,000 | 1,899,656,000 | 1,908,622,000 |
| Interest-bearing deposits | 1,762,200,000 | 1,776,889,000 | 1,791,515,000 | 1,798,500,000 |
| Noninterest-bearing deposits | 89,688,000 | 102,641,000 | 108,141,000 | 110,122,000 |
| Equity capital | 365,572,000 | 378,361,000 | 385,912,000 | 367,296,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 23,153,000 | 46,574,000 | 70,018,000 | 92,448,000 |
| Interest expense | 5,314,000 | 11,031,000 | 16,842,000 | 22,388,000 |
| Net interest income | 17,839,000 | 35,543,000 | 53,176,000 | 70,060,000 |
| Noninterest income | 5,988,000 | 12,686,000 | 24,986,000 | 31,756,000 |
| Noninterest expense | 11,117,000 | 22,980,000 | 32,907,000 | 55,821,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 12,725,000 | 25,282,000 | 45,298,000 | 46,032,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 12,725,000 | 25,282,000 | 45,298,000 | 46,032,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 364,965,000 | 375,546,000 | 383,037,000 | 364,262,000 |
| Total capital | 390,485,000 | 401,166,000 | 408,466,000 | 389,809,000 |
| Risk-weighted assets | 2,034,122,000 | 2,041,571,000 | 2,025,937,000 | 2,037,202,000 |