Call reports 2011
FIRST NATIONAL BANK OF AMHERST, THE — 2011
What FIRST NATIONAL BANK OF AMHERST, THE reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 20,142,000 | 18,622,000 | 19,121,000 | 20,468,000 |
| Total loans | 2,320,000 | 2,769,000 | 2,866,000 | 2,450,000 |
| Allowance for loan losses | 181,000 | 181,000 | 173,000 | 175,000 |
| Securities available for sale | 8,901,000 | 9,358,000 | 9,466,000 | 8,550,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,638,000 | 15,005,000 | 15,374,000 | 16,780,000 |
| Interest-bearing deposits | 12,869,000 | 11,896,000 | 12,422,000 | 12,656,000 |
| Noninterest-bearing deposits | 3,769,000 | 3,109,000 | 2,952,000 | 4,125,000 |
| Equity capital | 3,477,000 | 3,590,000 | 3,681,000 | 3,637,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 144,000 | 276,000 | 412,000 | 565,000 |
| Interest expense | 33,000 | 53,000 | 71,000 | 88,000 |
| Net interest income | 111,000 | 223,000 | 341,000 | 477,000 |
| Noninterest income | 8,000 | 17,000 | 30,000 | 36,000 |
| Noninterest expense | 133,000 | 270,000 | 413,000 | 564,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -14,000 | -30,000 | -42,000 | -51,000 |
| Income tax | -2,000 | -8,000 | -10,000 | -15,000 |
| Net income | -12,000 | -22,000 | -32,000 | -36,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,221,000 | 3,232,000 | 3,243,000 | 3,208,000 |
| Total capital | 3,274,000 | 3,292,000 | 3,306,000 | 3,267,000 |
| Risk-weighted assets | 4,042,000 | 4,585,000 | 4,838,000 | 4,581,000 |