Call reports 2008
BANK OF ROMNEY, THE — 2008
What BANK OF ROMNEY, THE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 221,861,000 | 224,386,000 | 224,329,000 | 226,526,000 |
| Total loans | 159,906,000 | 164,122,000 | 167,526,000 | 170,299,000 |
| Allowance for loan losses | 1,677,000 | 1,681,000 | 1,661,000 | 1,695,000 |
| Securities available for sale | 34,732,000 | 39,596,000 | 35,714,000 | 33,886,000 |
| Securities held to maturity | 280,000 | 280,000 | 280,000 | 115,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 166,281,000 | 164,805,000 | 161,266,000 | 160,628,000 |
| Interest-bearing deposits | 137,195,000 | 137,916,000 | 135,763,000 | 134,512,000 |
| Noninterest-bearing deposits | 29,086,000 | 26,889,000 | 25,503,000 | 26,116,000 |
| Equity capital | 25,284,000 | 25,737,000 | 25,145,000 | 23,546,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,676,000 | 7,387,000 | 11,088,000 | 14,643,000 |
| Interest expense | 1,450,000 | 2,873,000 | 4,242,000 | 5,576,000 |
| Net interest income | 2,226,000 | 4,514,000 | 6,846,000 | 9,067,000 |
| Noninterest income | 333,000 | 710,000 | 1,079,000 | 1,454,000 |
| Noninterest expense | 1,707,000 | 3,445,000 | 5,066,000 | 6,842,000 |
| Provision for loan losses | 28,000 | 46,000 | 86,000 | 176,000 |
| Pretax income | 916,000 | 1,825,000 | 1,075,000 | 1,795,000 |
| Income tax | 289,000 | 569,000 | 178,000 | 409,000 |
| Net income | 627,000 | 1,256,000 | 897,000 | 1,386,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,049,000 | 25,637,000 | 25,477,000 | 23,602,000 |
| Total capital | 26,726,000 | 27,318,000 | 27,138,000 | 25,297,000 |
| Risk-weighted assets | 146,845,000 | 150,837,000 | 151,975,000 | 152,125,000 |
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