Call reports 2008
FIRST NATIONAL BANK OF AMHERST, THE — 2008
What FIRST NATIONAL BANK OF AMHERST, THE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 18,508,000 | 17,393,000 | 16,349,000 | 17,669,000 |
| Total loans | 2,101,000 | 2,975,000 | 3,581,000 | 3,637,000 |
| Allowance for loan losses | 199,000 | 182,000 | 181,000 | 164,000 |
| Securities available for sale | 5,781,000 | 5,638,000 | 5,495,000 | 7,630,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 14,803,000 | 13,794,000 | 12,844,000 | 14,043,000 |
| Interest-bearing deposits | 11,026,000 | 10,387,000 | 10,002,000 | 10,467,000 |
| Noninterest-bearing deposits | 3,777,000 | 3,407,000 | 2,842,000 | 3,576,000 |
| Equity capital | 3,597,000 | 3,499,000 | 3,453,000 | 3,562,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 200,000 | 357,000 | 551,000 | 716,000 |
| Interest expense | 72,000 | 134,000 | 190,000 | 241,000 |
| Net interest income | 128,000 | 223,000 | 361,000 | 475,000 |
| Noninterest income | 9,000 | 17,000 | 23,000 | 30,000 |
| Noninterest expense | 120,000 | 227,000 | 369,000 | 496,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 25,000 | 21,000 | 23,000 | -74,000 |
| Income tax | 4,000 | -3,000 | 7,000 | -15,000 |
| Net income | 21,000 | 24,000 | 16,000 | -59,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,364,000 | 3,282,000 | 3,326,000 | 3,385,000 |
| Total capital | 3,364,000 | 3,282,000 | 3,326,000 | 3,385,000 |
| Risk-weighted assets | 5,156,000 | 5,761,000 | 6,069,000 | 6,136,000 |