Call reports 2017
BANK OF ROMNEY, THE — 2017
What BANK OF ROMNEY, THE reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 266,320,000 | 274,887,000 | 279,038,000 | 280,507,000 |
| Total loans | 175,967,000 | 186,618,000 | 191,787,000 | 199,092,000 |
| Allowance for loan losses | 1,761,000 | 1,825,000 | 1,523,000 | 1,524,000 |
| Securities available for sale | 62,305,000 | 60,581,000 | 55,994,000 | 54,486,000 |
| Securities held to maturity | 363,000 | 362,000 | 358,000 | 354,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 201,761,000 | 203,981,000 | 204,214,000 | 206,270,000 |
| Interest-bearing deposits | 157,352,000 | 160,033,000 | 160,719,000 | 160,839,000 |
| Noninterest-bearing deposits | 44,409,000 | 43,948,000 | 43,495,000 | 45,431,000 |
| Equity capital | 26,857,000 | 27,783,000 | 28,334,000 | 26,819,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 2,610,000 | 5,450,000 | 8,397,000 | 11,278,000 |
| Interest expense | 401,000 | 822,000 | 1,261,000 | 1,732,000 |
| Net interest income | 2,209,000 | 4,628,000 | 7,136,000 | 9,546,000 |
| Noninterest income | 359,000 | 748,000 | 1,162,000 | 1,595,000 |
| Noninterest expense | 1,958,000 | 3,940,000 | 5,895,000 | 7,841,000 |
| Provision for loan losses | 38,000 | 78,000 | 88,000 | 118,000 |
| Pretax income | 572,000 | 1,371,000 | 2,326,000 | 3,195,000 |
| Income tax | 145,000 | 391,000 | 724,000 | 1,333,000 |
| Net income | 427,000 | 980,000 | 1,602,000 | 1,862,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,908,000 | 31,462,000 | 32,083,000 | 32,383,000 |
| Total capital | 32,669,000 | 33,287,000 | 33,606,000 | 33,907,000 |
| Risk-weighted assets | 161,172,000 | 169,703,000 | 174,029,000 | 173,680,000 |