Call reports 2020
AMBOY BANK — 2020
What AMBOY BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 2,317,965,000 | 2,496,914,000 | 2,546,314,000 | 2,687,604,000 |
| Total loans | 1,592,541,000 | 1,679,141,000 | 1,689,573,000 | 1,696,612,000 |
| Allowance for loan losses | 31,528,000 | 31,517,000 | 31,585,000 | 31,123,000 |
| Securities available for sale | 383,695,000 | 399,575,000 | 364,122,000 | 370,385,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,923,692,000 | 2,079,600,000 | 2,127,481,000 | 2,251,212,000 |
| Interest-bearing deposits | 1,814,581,000 | 1,962,229,000 | 1,957,995,000 | 2,022,112,000 |
| Noninterest-bearing deposits | 109,111,000 | 117,371,000 | 169,486,000 | 229,100,000 |
| Equity capital | 348,674,000 | 371,116,000 | 368,845,000 | 367,611,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 21,548,000 | 42,007,000 | 62,227,000 | 81,771,000 |
| Interest expense | 4,807,000 | 8,430,000 | 11,094,000 | 13,189,000 |
| Net interest income | 16,741,000 | 33,577,000 | 51,133,000 | 68,582,000 |
| Noninterest income | -6,760,000 | 3,941,000 | 9,610,000 | 18,957,000 |
| Noninterest expense | 10,493,000 | 20,597,000 | 29,518,000 | 42,859,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -492,000 | 16,952,000 | 31,256,000 | 44,707,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -492,000 | 16,952,000 | 31,256,000 | 44,707,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 348,851,000 | 365,639,000 | 363,652,000 | 362,806,000 |
| Total capital | 373,602,000 | 390,975,000 | 389,018,000 | 388,852,000 |
| Risk-weighted assets | 1,972,529,000 | 2,019,988,000 | 2,022,341,000 | 2,077,829,000 |