Call reports 2016
BANK OF ROMNEY, THE — 2016
What BANK OF ROMNEY, THE reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 260,451,000 | 262,276,000 | 266,278,000 | 265,635,000 |
| Total loans | 166,418,000 | 167,868,000 | 173,965,000 | 176,346,000 |
| Allowance for loan losses | 1,880,000 | 1,861,000 | 1,889,000 | 1,800,000 |
| Securities available for sale | 69,443,000 | 67,922,000 | 66,092,000 | 62,463,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 197,634,000 | 198,959,000 | 199,117,000 | 199,878,000 |
| Interest-bearing deposits | 156,454,000 | 158,367,000 | 159,088,000 | 158,664,000 |
| Noninterest-bearing deposits | 41,180,000 | 40,592,000 | 40,029,000 | 41,214,000 |
| Equity capital | 26,894,000 | 27,492,000 | 27,951,000 | 26,130,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,602,000 | 5,290,000 | 7,951,000 | 10,656,000 |
| Interest expense | 384,000 | 768,000 | 1,165,000 | 1,561,000 |
| Net interest income | 2,218,000 | 4,522,000 | 6,786,000 | 9,095,000 |
| Noninterest income | 336,000 | 710,000 | 1,049,000 | 1,342,000 |
| Noninterest expense | 2,020,000 | 4,032,000 | 6,038,000 | 7,999,000 |
| Provision for loan losses | 66,000 | 150,000 | 176,000 | 151,000 |
| Pretax income | 506,000 | 1,096,000 | 1,712,000 | 2,378,000 |
| Income tax | 129,000 | 289,000 | 461,000 | 642,000 |
| Net income | 377,000 | 807,000 | 1,251,000 | 1,736,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,023,000 | 30,452,000 | 30,897,000 | 30,482,000 |
| Total capital | 31,903,000 | 32,313,000 | 32,786,000 | 32,282,000 |
| Risk-weighted assets | 157,148,000 | 158,054,000 | 159,095,000 | 162,830,000 |