Call reports 2010
BANK OF ROMNEY, THE — 2010
What BANK OF ROMNEY, THE reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 234,299,000 | 234,726,000 | 235,235,000 | 230,723,000 |
| Total loans | 174,704,000 | 176,986,000 | 180,935,000 | 181,021,000 |
| Allowance for loan losses | 1,858,000 | 2,047,000 | 2,366,000 | 2,627,000 |
| Securities available for sale | 28,427,000 | 30,974,000 | 29,435,000 | 26,534,000 |
| Securities held to maturity | 115,000 | 115,000 | 115,000 | 115,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 172,990,000 | 172,342,000 | 173,663,000 | 171,133,000 |
| Interest-bearing deposits | 145,344,000 | 144,898,000 | 147,404,000 | 143,157,000 |
| Noninterest-bearing deposits | 27,646,000 | 27,444,000 | 26,259,000 | 27,976,000 |
| Equity capital | 24,995,000 | 25,206,000 | 25,422,000 | 24,642,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 3,213,000 | 6,496,000 | 9,826,000 | 13,043,000 |
| Interest expense | 1,057,000 | 2,089,000 | 3,083,000 | 4,017,000 |
| Net interest income | 2,156,000 | 4,407,000 | 6,743,000 | 9,026,000 |
| Noninterest income | 349,000 | 768,000 | 1,175,000 | 1,643,000 |
| Noninterest expense | 1,803,000 | 3,659,000 | 5,539,000 | 7,375,000 |
| Provision for loan losses | 150,000 | 400,000 | 731,000 | 1,041,000 |
| Pretax income | 572,000 | 1,136,000 | 1,697,000 | 2,302,000 |
| Income tax | 158,000 | 322,000 | 477,000 | 687,000 |
| Net income | 414,000 | 814,000 | 1,220,000 | 1,615,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,702,000 | 24,803,000 | 24,959,000 | 24,420,000 |
| Total capital | 26,560,000 | 26,757,000 | 26,947,000 | 26,394,000 |
| Risk-weighted assets | 155,014,000 | 156,191,000 | 158,624,000 | 157,278,000 |
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