Call reports 2012
BANK OF ROMNEY, THE — 2012
What BANK OF ROMNEY, THE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 251,091,000 | 251,712,000 | 251,444,000 | 248,109,000 |
| Total loans | 173,928,000 | 175,260,000 | 175,031,000 | 173,718,000 |
| Allowance for loan losses | 2,639,000 | 2,548,000 | 2,608,000 | 2,199,000 |
| Securities available for sale | 48,181,000 | 52,509,000 | 51,975,000 | 47,695,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 200,940,000 | 197,123,000 | 196,047,000 | 194,789,000 |
| Interest-bearing deposits | 169,365,000 | 166,347,000 | 163,703,000 | 162,268,000 |
| Noninterest-bearing deposits | 31,575,000 | 30,776,000 | 32,344,000 | 32,521,000 |
| Equity capital | 24,845,000 | 25,374,000 | 25,899,000 | 24,979,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 3,080,000 | 6,213,000 | 9,272,000 | 12,320,000 |
| Interest expense | 731,000 | 1,446,000 | 2,130,000 | 2,769,000 |
| Net interest income | 2,349,000 | 4,767,000 | 7,142,000 | 9,551,000 |
| Noninterest income | 394,000 | 747,000 | 1,115,000 | 1,424,000 |
| Noninterest expense | 1,919,000 | 3,815,000 | 5,769,000 | 7,670,000 |
| Provision for loan losses | 200,000 | 425,000 | 600,000 | 760,000 |
| Pretax income | 624,000 | 1,332,000 | 1,970,000 | 2,700,000 |
| Income tax | 181,000 | 386,000 | 573,000 | 789,000 |
| Net income | 443,000 | 946,000 | 1,397,000 | 1,911,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,194,000 | 27,697,000 | 28,147,000 | 27,762,000 |
| Total capital | 29,114,000 | 29,646,000 | 30,103,000 | 29,705,000 |
| Risk-weighted assets | 152,883,000 | 155,319,000 | 155,832,000 | 155,218,000 |