Call reports 2002
FIRST NATIONAL BANK OF AMHERST, THE — 2002
What FIRST NATIONAL BANK OF AMHERST, THE reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 20,559,000 | 19,199,000 | 18,344,000 | 19,620,000 |
| Total loans | 2,727,000 | 3,545,000 | 4,283,000 | 3,523,000 |
| Allowance for loan losses | 224,000 | 225,000 | 198,000 | 200,000 |
| Securities available for sale | 1,151,000 | 1,177,000 | 1,205,000 | 1,206,000 |
| Securities held to maturity | 10,078,000 | 10,045,000 | 8,886,000 | 8,504,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 17,058,000 | 15,626,000 | 14,759,000 | 16,091,000 |
| Interest-bearing deposits | 14,499,000 | 13,515,000 | 12,594,000 | 12,903,000 |
| Noninterest-bearing deposits | 2,559,000 | 2,111,000 | 2,165,000 | 3,188,000 |
| Equity capital | 3,413,000 | 3,498,000 | 3,526,000 | 3,473,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 216,000 | 457,000 | 686,000 | 935,000 |
| Interest expense | 84,000 | 147,000 | 203,000 | 255,000 |
| Net interest income | 132,000 | 310,000 | 483,000 | 680,000 |
| Noninterest income | 13,000 | 19,000 | 23,000 | 27,000 |
| Noninterest expense | 157,000 | 278,000 | 418,000 | 578,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -5,000 | 58,000 | 96,000 | 137,000 |
| Income tax | 14,000 | 9,000 | 38,000 | 19,000 |
| Net income | -19,000 | 49,000 | 58,000 | 118,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,318,000 | 3,412,000 | 3,449,000 | 3,397,000 |
| Total capital | 3,399,000 | 3,498,000 | 3,540,000 | 3,483,000 |
| Risk-weighted assets | 6,376,000 | 6,735,000 | 7,139,000 | 6,759,000 |