Call reports 2014
BANK OF ROMNEY, THE — 2014
What BANK OF ROMNEY, THE reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 246,940,000 | 253,503,000 | 258,114,000 | 259,718,000 |
| Total loans | 167,277,000 | 167,862,000 | 167,354,000 | 167,171,000 |
| Allowance for loan losses | 1,709,000 | 1,678,000 | 1,849,000 | 1,813,000 |
| Securities available for sale | 54,409,000 | 60,015,000 | 65,406,000 | 66,751,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 189,505,000 | 188,591,000 | 196,394,000 | 201,122,000 |
| Interest-bearing deposits | 153,701,000 | 153,811,000 | 161,282,000 | 164,191,000 |
| Noninterest-bearing deposits | 35,804,000 | 34,780,000 | 35,112,000 | 36,931,000 |
| Equity capital | 25,864,000 | 26,557,000 | 27,049,000 | 24,805,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,724,000 | 5,482,000 | 8,286,000 | 11,093,000 |
| Interest expense | 528,000 | 996,000 | 1,475,000 | 1,940,000 |
| Net interest income | 2,196,000 | 4,486,000 | 6,811,000 | 9,153,000 |
| Noninterest income | 351,000 | 733,000 | 1,073,000 | 1,427,000 |
| Noninterest expense | 1,922,000 | 3,862,000 | 5,795,000 | 7,662,000 |
| Provision for loan losses | 100,000 | 330,000 | 470,000 | 565,000 |
| Pretax income | 537,000 | 1,039,000 | 1,631,000 | 2,365,000 |
| Income tax | 142,000 | 274,000 | 439,000 | 671,000 |
| Net income | 395,000 | 765,000 | 1,192,000 | 1,694,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,715,000 | 29,085,000 | 29,512,000 | 28,714,000 |
| Total capital | 30,424,000 | 30,763,000 | 31,361,000 | 30,527,000 |
| Risk-weighted assets | 156,376,000 | 158,953,000 | 159,185,000 | 157,636,000 |
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