Call reports 2013
BANK OF ROMNEY, THE — 2013
What BANK OF ROMNEY, THE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 248,302,000 | 247,271,000 | 245,836,000 | 249,747,000 |
| Total loans | 172,625,000 | 171,057,000 | 171,860,000 | 169,478,000 |
| Allowance for loan losses | 2,360,000 | 1,860,000 | 1,868,000 | 1,871,000 |
| Securities available for sale | 49,639,000 | 49,519,000 | 47,847,000 | 54,685,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 194,080,000 | 190,576,000 | 189,053,000 | 186,827,000 |
| Interest-bearing deposits | 160,564,000 | 156,355,000 | 154,923,000 | 153,640,000 |
| Noninterest-bearing deposits | 33,515,000 | 34,221,000 | 34,130,000 | 33,187,000 |
| Equity capital | 25,276,000 | 24,543,000 | 24,674,000 | 25,228,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,899,000 | 5,800,000 | 8,688,000 | 11,526,000 |
| Interest expense | 602,000 | 1,187,000 | 1,755,000 | 2,311,000 |
| Net interest income | 2,297,000 | 4,613,000 | 6,933,000 | 9,215,000 |
| Noninterest income | 374,000 | 709,000 | 1,115,000 | 1,416,000 |
| Noninterest expense | 1,926,000 | 3,922,000 | 5,941,000 | 7,937,000 |
| Provision for loan losses | 150,000 | 275,000 | 365,000 | 555,000 |
| Pretax income | 595,000 | 1,278,000 | 1,896,000 | 2,308,000 |
| Income tax | 170,000 | 373,000 | 557,000 | 650,000 |
| Net income | 425,000 | 905,000 | 1,339,000 | 1,658,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,087,000 | 28,467,000 | 28,801,000 | 28,420,000 |
| Total capital | 30,031,000 | 30,327,000 | 30,669,000 | 30,291,000 |
| Risk-weighted assets | 155,108,000 | 159,857,000 | 159,566,000 | 159,094,000 |