Call reports 2009
FIRST NATIONAL BANK OF AMHERST, THE — 2009
What FIRST NATIONAL BANK OF AMHERST, THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 17,582,000 | 16,901,000 | 16,955,000 | 19,305,000 |
| Total loans | 3,414,000 | 3,195,000 | 3,362,000 | 2,932,000 |
| Allowance for loan losses | 173,000 | 181,000 | 177,000 | 178,000 |
| Securities available for sale | 8,648,000 | 7,760,000 | 7,483,000 | 8,937,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 13,969,000 | 13,306,000 | 13,306,000 | 15,694,000 |
| Interest-bearing deposits | 10,627,000 | 10,263,000 | 10,242,000 | 12,194,000 |
| Noninterest-bearing deposits | 3,342,000 | 3,043,000 | 3,064,000 | 3,500,000 |
| Equity capital | 3,558,000 | 3,535,000 | 3,597,000 | 3,549,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 170,000 | 336,000 | 498,000 | 648,000 |
| Interest expense | 48,000 | 89,000 | 128,000 | 170,000 |
| Net interest income | 122,000 | 247,000 | 370,000 | 478,000 |
| Noninterest income | 9,000 | 15,000 | 21,000 | 28,000 |
| Noninterest expense | 144,000 | 264,000 | 408,000 | 553,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -13,000 | 54,000 | 39,000 | 9,000 |
| Income tax | 5,000 | 25,000 | -5,000 | -18,000 |
| Net income | -18,000 | 29,000 | 44,000 | 27,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,322,000 | 3,330,000 | 3,378,000 | 3,360,000 |
| Total capital | 3,322,000 | 3,330,000 | 3,378,000 | 3,360,000 |
| Risk-weighted assets | 5,797,000 | 5,504,000 | 5,628,000 | 4,982,000 |