Call reports 2013
FIRST NATIONAL BANK OF AMHERST, THE — 2013
What FIRST NATIONAL BANK OF AMHERST, THE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 18,727,000 | 17,189,000 | 16,984,000 | 18,067,000 |
| Total loans | 1,938,000 | 2,088,000 | 2,371,000 | 1,873,000 |
| Allowance for loan losses | 179,000 | 151,000 | 151,000 | 154,000 |
| Securities available for sale | 8,867,000 | 9,050,000 | 7,869,000 | 7,600,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 15,064,000 | 13,774,000 | 13,720,000 | 14,898,000 |
| Interest-bearing deposits | 11,729,000 | 10,713,000 | 10,930,000 | 11,509,000 |
| Noninterest-bearing deposits | 3,336,000 | 3,061,000 | 2,791,000 | 3,390,000 |
| Equity capital | 3,633,000 | 3,399,000 | 3,251,000 | 3,146,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 127,000 | 225,000 | 338,000 | 438,000 |
| Interest expense | 12,000 | 23,000 | 35,000 | 46,000 |
| Net interest income | 115,000 | 202,000 | 303,000 | 392,000 |
| Noninterest income | 160,000 | 168,000 | 180,000 | 187,000 |
| Noninterest expense | 153,000 | 294,000 | 445,000 | 601,000 |
| Provision for loan losses | 0 | -25,000 | -25,000 | -25,000 |
| Pretax income | 122,000 | -97,000 | -235,000 | -295,000 |
| Income tax | 41,000 | 32,000 | 19,000 | -2,000 |
| Net income | 81,000 | -129,000 | -254,000 | -293,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,180,000 | 3,029,000 | 3,079,000 | 2,985,000 |
| Total capital | 3,231,000 | 3,084,000 | 3,135,000 | 3,035,000 |
| Risk-weighted assets | 3,904,000 | 4,218,000 | 4,347,000 | 3,859,000 |