Call reports 2005
FIRST NATIONAL BANK OF AMHERST, THE — 2005
What FIRST NATIONAL BANK OF AMHERST, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 16,419,000 | 16,105,000 | 15,592,000 | 18,064,000 |
| Total loans | 2,614,000 | 3,075,000 | 3,832,000 | 3,046,000 |
| Allowance for loan losses | 226,000 | 210,000 | 219,000 | 212,000 |
| Securities available for sale | 1,150,000 | 8,606,000 | 8,019,000 | 7,675,000 |
| Securities held to maturity | 7,762,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 12,887,000 | 12,497,000 | 12,020,000 | 14,508,000 |
| Interest-bearing deposits | 10,186,000 | 9,807,000 | 9,367,000 | 9,982,000 |
| Noninterest-bearing deposits | 2,701,000 | 2,690,000 | 2,653,000 | 4,526,000 |
| Equity capital | 3,507,000 | 3,581,000 | 3,543,000 | 3,460,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 169,000 | 333,000 | 503,000 | 716,000 |
| Interest expense | 32,000 | 66,000 | 104,000 | 146,000 |
| Net interest income | 137,000 | 267,000 | 399,000 | 570,000 |
| Noninterest income | 9,000 | 16,000 | 23,000 | 29,000 |
| Noninterest expense | 136,000 | 256,000 | 393,000 | 528,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 10,000 | 27,000 | 29,000 | 70,000 |
| Income tax | -5,000 | -5,000 | -4,000 | -6,000 |
| Net income | 15,000 | 32,000 | 33,000 | 76,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,411,000 | 3,469,000 | 3,457,000 | 3,378,000 |
| Total capital | 3,476,000 | 3,538,000 | 3,533,000 | 3,452,000 |
| Risk-weighted assets | 5,023,000 | 5,349,000 | 5,908,000 | 5,814,000 |