Call reports 2001
FIRST NATIONAL BANK OF AMHERST, THE — 2001
What FIRST NATIONAL BANK OF AMHERST, THE reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 20,864,000 | 20,395,000 | 20,854,000 | 22,093,000 |
| Total loans | 2,746,000 | 3,759,000 | 4,303,000 | 4,017,000 |
| Allowance for loan losses | 176,000 | 194,000 | 217,000 | 221,000 |
| Securities available for sale | 1,156,000 | 1,146,000 | 1,180,000 | 1,159,000 |
| Securities held to maturity | 10,376,000 | 9,272,000 | 9,511,000 | 8,281,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 17,294,000 | 16,784,000 | 17,193,000 | 18,375,000 |
| Interest-bearing deposits | 15,172,000 | 14,757,000 | 15,122,000 | 15,063,000 |
| Noninterest-bearing deposits | 2,122,000 | 2,027,000 | 2,071,000 | 3,313,000 |
| Equity capital | 3,412,000 | 3,426,000 | 3,452,000 | 3,512,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 297,000 | 592,000 | 878,000 | 1,180,000 |
| Interest expense | 154,000 | 299,000 | 434,000 | 545,000 |
| Net interest income | 143,000 | 293,000 | 444,000 | 635,000 |
| Noninterest income | 9,000 | 15,000 | 22,000 | 29,000 |
| Noninterest expense | 167,000 | 313,000 | 447,000 | 589,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -14,000 | -7,000 | 17,000 | 84,000 |
| Income tax | -9,000 | -23,000 | 10,000 | 4,000 |
| Net income | -5,000 | 16,000 | 7,000 | 80,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,318,000 | 3,329,000 | 3,354,000 | 3,406,000 |
| Total capital | 3,403,000 | 3,423,000 | 3,455,000 | 3,507,000 |
| Risk-weighted assets | 6,702,000 | 7,422,000 | 7,963,000 | 7,934,000 |