Call reports 2006
FIRST NATIONAL BANK OF AMHERST, THE — 2006
What FIRST NATIONAL BANK OF AMHERST, THE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 16,692,000 | 15,387,000 | 16,168,000 | 16,875,000 |
| Total loans | 2,575,000 | 3,435,000 | 4,274,000 | 3,995,000 |
| Allowance for loan losses | 210,000 | 210,000 | 213,000 | 203,000 |
| Securities available for sale | 8,030,000 | 8,120,000 | 8,167,000 | 6,874,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 13,246,000 | 11,974,000 | 12,688,000 | 13,323,000 |
| Interest-bearing deposits | 10,013,000 | 9,135,000 | 9,752,000 | 10,058,000 |
| Noninterest-bearing deposits | 3,233,000 | 2,839,000 | 2,936,000 | 3,265,000 |
| Equity capital | 3,401,000 | 3,370,000 | 3,431,000 | 3,477,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 184,000 | 383,000 | 573,000 | 801,000 |
| Interest expense | 51,000 | 104,000 | 166,000 | 255,000 |
| Net interest income | 133,000 | 279,000 | 407,000 | 546,000 |
| Noninterest income | 8,000 | 12,000 | 19,000 | 24,000 |
| Noninterest expense | 172,000 | 307,000 | 439,000 | 556,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -31,000 | -16,000 | -14,000 | 16,000 |
| Income tax | -11,000 | -11,000 | 6,000 | -4,000 |
| Net income | -20,000 | -5,000 | -20,000 | 20,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,326,000 | 3,306,000 | 3,347,000 | 3,386,000 |
| Total capital | 3,393,000 | 3,379,000 | 3,430,000 | 3,468,000 |
| Risk-weighted assets | 5,256,000 | 5,690,000 | 6,485,000 | 6,458,000 |