Call reports 2007
FIRST NATIONAL BANK OF AMHERST, THE — 2007
What FIRST NATIONAL BANK OF AMHERST, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 16,679,000 | 16,490,000 | 16,508,000 | 17,935,000 |
| Total loans | 2,648,000 | 2,910,000 | 3,756,000 | 3,242,000 |
| Allowance for loan losses | 202,000 | 198,000 | 199,000 | 102,000 |
| Securities available for sale | 6,442,000 | 6,355,000 | 5,511,000 | 5,040,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 13,124,000 | 12,985,000 | 12,965,000 | 14,308,000 |
| Interest-bearing deposits | 10,106,000 | 9,776,000 | 9,917,000 | 10,647,000 |
| Noninterest-bearing deposits | 3,018,000 | 3,209,000 | 3,048,000 | 3,661,000 |
| Equity capital | 3,463,000 | 3,407,000 | 3,462,000 | 3,535,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 206,000 | 410,000 | 633,000 | 838,000 |
| Interest expense | 90,000 | 173,000 | 253,000 | 329,000 |
| Net interest income | 116,000 | 237,000 | 380,000 | 509,000 |
| Noninterest income | 9,000 | 16,000 | 24,000 | 30,000 |
| Noninterest expense | 130,000 | 257,000 | 404,000 | 530,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -5,000 | -4,000 | 0 | 9,000 |
| Income tax | -8,000 | -6,000 | 4,000 | -5,000 |
| Net income | 3,000 | 2,000 | -4,000 | 14,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,381,000 | 3,336,000 | 3,373,000 | 3,316,000 |
| Total capital | 3,449,000 | 3,407,000 | 3,452,000 | 3,316,000 |
| Risk-weighted assets | 5,333,000 | 5,563,000 | 6,210,000 | 6,072,000 |