Call reports 2004
FIRST NATIONAL BANK OF AMHERST, THE — 2004
What FIRST NATIONAL BANK OF AMHERST, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 18,330,000 | 16,904,000 | 17,165,000 | 18,233,000 |
| Total loans | 3,130,000 | 3,706,000 | 4,050,000 | 3,762,000 |
| Allowance for loan losses | 222,000 | 224,000 | 225,000 | 225,000 |
| Securities available for sale | 1,184,000 | 1,149,000 | 1,170,000 | 1,162,000 |
| Securities held to maturity | 9,448,000 | 9,197,000 | 8,579,000 | 7,864,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 14,829,000 | 13,405,000 | 13,633,000 | 14,695,000 |
| Interest-bearing deposits | 11,898,000 | 11,023,000 | 11,212,000 | 11,400,000 |
| Noninterest-bearing deposits | 2,931,000 | 2,382,000 | 2,421,000 | 3,295,000 |
| Equity capital | 3,470,000 | 3,468,000 | 3,498,000 | 3,500,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 163,000 | 337,000 | 526,000 | 735,000 |
| Interest expense | 36,000 | 70,000 | 102,000 | 135,000 |
| Net interest income | 127,000 | 267,000 | 424,000 | 600,000 |
| Noninterest income | 0 | 5,000 | 11,000 | 20,000 |
| Noninterest expense | 124,000 | 256,000 | 392,000 | 541,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 3,000 | 17,000 | 44,000 | 81,000 |
| Income tax | 15,000 | 9,000 | 19,000 | 9,000 |
| Net income | -12,000 | 8,000 | 25,000 | 72,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,386,000 | 3,372,000 | 3,409,000 | 3,409,000 |
| Total capital | 3,460,000 | 3,449,000 | 3,490,000 | 3,490,000 |
| Risk-weighted assets | 5,791,000 | 5,998,000 | 6,309,000 | 6,336,000 |