Call reports 2003
FIRST NATIONAL BANK OF AMHERST, THE — 2003
What FIRST NATIONAL BANK OF AMHERST, THE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 18,961,000 | 18,020,000 | 18,498,000 | 19,077,000 |
| Total loans | 2,596,000 | 3,678,000 | 3,609,000 | 3,187,000 |
| Allowance for loan losses | 201,000 | 189,000 | 204,000 | 209,000 |
| Securities available for sale | 1,200,000 | 1,202,000 | 1,182,000 | 1,174,000 |
| Securities held to maturity | 9,738,000 | 8,192,000 | 8,261,000 | 8,722,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 15,420,000 | 14,448,000 | 14,939,000 | 15,549,000 |
| Interest-bearing deposits | 12,860,000 | 12,125,000 | 12,329,000 | 12,416,000 |
| Noninterest-bearing deposits | 2,560,000 | 2,323,000 | 2,610,000 | 3,133,000 |
| Equity capital | 3,504,000 | 3,529,000 | 3,515,000 | 3,476,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 193,000 | 377,000 | 554,000 | 753,000 |
| Interest expense | 49,000 | 97,000 | 135,000 | 172,000 |
| Net interest income | 144,000 | 280,000 | 419,000 | 581,000 |
| Noninterest income | 9,000 | 14,000 | 21,000 | 26,000 |
| Noninterest expense | 129,000 | 243,000 | 385,000 | 545,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 30,000 | 61,000 | 65,000 | 72,000 |
| Income tax | -5,000 | -5,000 | 0 | -12,000 |
| Net income | 35,000 | 66,000 | 65,000 | 84,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,426,000 | 3,451,000 | 3,430,000 | 3,389,000 |
| Total capital | 3,496,000 | 3,530,000 | 3,509,000 | 3,466,000 |
| Risk-weighted assets | 5,472,000 | 6,182,000 | 6,192,000 | 6,065,000 |