Call reports 2015
BANK OF ROMNEY, THE — 2015
What BANK OF ROMNEY, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 264,450,000 | 264,931,000 | 257,684,000 | 256,420,000 |
| Total loans | 166,213,000 | 167,760,000 | 166,934,000 | 168,442,000 |
| Allowance for loan losses | 1,816,000 | 1,819,000 | 1,591,000 | 1,859,000 |
| Securities available for sale | 72,451,000 | 70,958,000 | 62,658,000 | 61,289,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 201,007,000 | 199,717,000 | 196,402,000 | 196,828,000 |
| Interest-bearing deposits | 162,391,000 | 161,182,000 | 157,848,000 | 156,177,000 |
| Noninterest-bearing deposits | 38,616,000 | 38,535,000 | 38,554,000 | 40,651,000 |
| Equity capital | 25,707,000 | 25,462,000 | 26,185,000 | 26,133,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,701,000 | 5,388,000 | 8,193,000 | 10,872,000 |
| Interest expense | 457,000 | 881,000 | 1,303,000 | 1,710,000 |
| Net interest income | 2,244,000 | 4,507,000 | 6,890,000 | 9,162,000 |
| Noninterest income | 352,000 | 710,000 | 1,066,000 | 1,551,000 |
| Noninterest expense | 1,986,000 | 3,969,000 | 5,997,000 | 7,984,000 |
| Provision for loan losses | 100,000 | 200,000 | 393,000 | 461,000 |
| Pretax income | 521,000 | 1,097,000 | 1,618,000 | 2,330,000 |
| Income tax | 136,000 | 289,000 | 431,000 | 598,000 |
| Net income | 385,000 | 808,000 | 1,187,000 | 1,732,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,100,000 | 29,423,000 | 29,801,000 | 29,646,000 |
| Total capital | 30,916,000 | 31,242,000 | 31,392,000 | 31,505,000 |
| Risk-weighted assets | 170,497,000 | 165,268,000 | 155,268,000 | 157,946,000 |