Call reports 2012
FIRST NATIONAL BANK OF AMHERST, THE — 2012
What FIRST NATIONAL BANK OF AMHERST, THE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 19,736,000 | 19,056,000 | 18,177,000 | 19,245,000 |
| Total loans | 2,244,000 | 2,703,000 | 2,735,000 | 2,261,000 |
| Allowance for loan losses | 181,000 | 181,000 | 181,000 | 181,000 |
| Securities available for sale | 8,545,000 | 9,552,000 | 9,090,000 | 8,701,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,148,000 | 15,408,000 | 14,520,000 | 15,643,000 |
| Interest-bearing deposits | 12,062,000 | 11,988,000 | 11,225,000 | 11,312,000 |
| Noninterest-bearing deposits | 4,086,000 | 3,420,000 | 3,296,000 | 4,331,000 |
| Equity capital | 3,573,000 | 3,620,000 | 3,629,000 | 3,578,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 113,000 | 223,000 | 337,000 | 441,000 |
| Interest expense | 16,000 | 30,000 | 44,000 | 55,000 |
| Net interest income | 97,000 | 193,000 | 293,000 | 386,000 |
| Noninterest income | 9,000 | 16,000 | 23,000 | 29,000 |
| Noninterest expense | 174,000 | 309,000 | 450,000 | 580,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -68,000 | -100,000 | -134,000 | -165,000 |
| Income tax | -26,000 | -36,000 | -48,000 | -57,000 |
| Net income | -42,000 | -64,000 | -86,000 | -108,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,148,000 | 3,149,000 | 3,137,000 | 3,094,000 |
| Total capital | 3,202,000 | 3,208,000 | 3,198,000 | 3,151,000 |
| Risk-weighted assets | 4,108,000 | 4,564,000 | 4,736,000 | 4,349,000 |