Call reports 2004
BANK OF ROMNEY, THE — 2004
What BANK OF ROMNEY, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 177,309,000 | 180,145,000 | 182,995,000 | 184,682,000 |
| Total loans | 129,044,000 | 130,596,000 | 132,825,000 | 134,808,000 |
| Allowance for loan losses | 1,431,000 | 1,405,000 | 1,421,000 | 1,491,000 |
| Securities available for sale | 31,658,000 | 34,827,000 | 36,088,000 | 34,690,000 |
| Securities held to maturity | 853,000 | 835,000 | 408,000 | 280,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 141,519,000 | 143,350,000 | 146,634,000 | 148,244,000 |
| Interest-bearing deposits | 120,972,000 | 121,126,000 | 124,199,000 | 125,241,000 |
| Noninterest-bearing deposits | 20,547,000 | 22,224,000 | 22,436,000 | 23,003,000 |
| Equity capital | 19,533,000 | 19,604,000 | 20,420,000 | 20,396,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,697,000 | 5,425,000 | 8,202,000 | 11,066,000 |
| Interest expense | 765,000 | 1,509,000 | 2,260,000 | 3,014,000 |
| Net interest income | 1,932,000 | 3,916,000 | 5,942,000 | 8,052,000 |
| Noninterest income | 214,000 | 434,000 | 648,000 | 894,000 |
| Noninterest expense | 1,236,000 | 2,481,000 | 3,747,000 | 5,031,000 |
| Provision for loan losses | 105,000 | 215,000 | 335,000 | 510,000 |
| Pretax income | 820,000 | 1,669,000 | 2,531,000 | 3,455,000 |
| Income tax | 279,000 | 574,000 | 872,000 | 1,187,000 |
| Net income | 541,000 | 1,095,000 | 1,659,000 | 2,268,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,272,000 | 19,814,000 | 20,391,000 | 20,520,000 |
| Total capital | 20,729,000 | 21,219,000 | 21,821,000 | 22,016,000 |
| Risk-weighted assets | 120,329,000 | 122,741,000 | 122,552,000 | 125,189,000 |
Machine access — free, no API key
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