Call reports 2011
BANK OF ROMNEY, THE — 2011
What BANK OF ROMNEY, THE reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 246,701,000 | 247,349,000 | 245,887,000 | 245,932,000 |
| Total loans | 179,028,000 | 178,938,000 | 177,222,000 | 176,204,000 |
| Allowance for loan losses | 2,609,000 | 2,537,000 | 2,609,000 | 2,490,000 |
| Securities available for sale | 42,162,000 | 45,060,000 | 42,950,000 | 45,762,000 |
| Securities held to maturity | 115,000 | 115,000 | 115,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 191,173,000 | 191,922,000 | 192,955,000 | 192,677,000 |
| Interest-bearing deposits | 161,708,000 | 162,888,000 | 164,003,000 | 163,164,000 |
| Noninterest-bearing deposits | 29,465,000 | 29,034,000 | 28,952,000 | 29,513,000 |
| Equity capital | 24,780,000 | 25,398,000 | 25,781,000 | 24,577,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 3,152,000 | 6,370,000 | 9,645,000 | 12,812,000 |
| Interest expense | 909,000 | 1,808,000 | 2,662,000 | 3,452,000 |
| Net interest income | 2,243,000 | 4,562,000 | 6,983,000 | 9,360,000 |
| Noninterest income | 410,000 | 737,000 | 1,206,000 | 1,675,000 |
| Noninterest expense | 1,861,000 | 3,759,000 | 5,746,000 | 7,635,000 |
| Provision for loan losses | 300,000 | 605,000 | 900,000 | 1,200,000 |
| Pretax income | 528,000 | 1,034,000 | 1,642,000 | 2,299,000 |
| Income tax | 145,000 | 282,000 | 459,000 | 700,000 |
| Net income | 383,000 | 752,000 | 1,183,000 | 1,599,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,602,000 | 26,904,000 | 27,335,000 | 26,851,000 |
| Total capital | 26,532,000 | 28,835,000 | 29,261,000 | 28,792,000 |
| Risk-weighted assets | 153,732,000 | 153,904,000 | 153,365,000 | 154,747,000 |