Call reports 2009
BANK OF ROMNEY, THE — 2009
What BANK OF ROMNEY, THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 232,959,000 | 227,494,000 | 232,182,000 | 230,942,000 |
| Total loans | 170,623,000 | 174,037,000 | 174,068,000 | 174,888,000 |
| Allowance for loan losses | 1,680,000 | 1,670,000 | 1,698,000 | 1,821,000 |
| Securities available for sale | 31,404,000 | 31,814,000 | 33,683,000 | 31,760,000 |
| Securities held to maturity | 115,000 | 115,000 | 115,000 | 115,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 169,294,000 | 168,136,000 | 170,654,000 | 167,539,000 |
| Interest-bearing deposits | 142,216,000 | 141,009,000 | 144,424,000 | 140,281,000 |
| Noninterest-bearing deposits | 27,078,000 | 27,127,000 | 26,230,000 | 27,258,000 |
| Equity capital | 23,826,000 | 24,262,000 | 24,973,000 | 24,859,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,405,000 | 6,922,000 | 10,335,000 | 13,695,000 |
| Interest expense | 1,290,000 | 2,535,000 | 3,731,000 | 4,840,000 |
| Net interest income | 2,115,000 | 4,387,000 | 6,604,000 | 8,855,000 |
| Noninterest income | 333,000 | 718,000 | 1,116,000 | 1,515,000 |
| Noninterest expense | 1,728,000 | 3,608,000 | 5,445,000 | 7,291,000 |
| Provision for loan losses | 75,000 | 175,000 | 295,000 | 445,000 |
| Pretax income | 636,000 | 1,315,000 | 1,965,000 | 2,626,000 |
| Income tax | 184,000 | 386,000 | 572,000 | 774,000 |
| Net income | 452,000 | 929,000 | 1,393,000 | 1,852,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,923,000 | 24,198,000 | 24,591,000 | 24,561,000 |
| Total capital | 25,603,000 | 25,868,000 | 26,301,000 | 26,382,000 |
| Risk-weighted assets | 154,056,000 | 153,923,000 | 154,301,000 | 155,120,000 |
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