Call reports 2018
BANK OF ROMNEY, THE — 2018
What BANK OF ROMNEY, THE reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 280,100,000 | 283,957,000 | 285,246,000 | 286,485,000 |
| Total loans | 199,789,000 | 206,138,000 | 208,786,000 | 210,917,000 |
| Allowance for loan losses | 1,585,000 | 1,646,000 | 1,696,000 | 1,696,000 |
| Securities available for sale | 52,711,000 | 50,592,000 | 49,646,000 | 48,295,000 |
| Securities held to maturity | 351,000 | 347,000 | 343,000 | 339,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 210,072,000 | 206,674,000 | 210,198,000 | 209,616,000 |
| Interest-bearing deposits | 163,163,000 | 158,996,000 | 163,103,000 | 164,043,000 |
| Noninterest-bearing deposits | 46,909,000 | 47,678,000 | 47,095,000 | 45,573,000 |
| Equity capital | 26,961,000 | 27,554,000 | 28,135,000 | 28,450,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 2,892,000 | 5,865,000 | 9,008,000 | 12,160,000 |
| Interest expense | 508,000 | 1,073,000 | 1,712,000 | 2,368,000 |
| Net interest income | 2,384,000 | 4,792,000 | 7,296,000 | 9,792,000 |
| Noninterest income | 394,000 | 830,000 | 1,263,000 | 1,695,000 |
| Noninterest expense | 1,927,000 | 3,832,000 | 5,782,000 | 7,737,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 245,000 |
| Pretax income | 791,000 | 1,645,000 | 2,572,000 | 3,480,000 |
| Income tax | 153,000 | 317,000 | 480,000 | 656,000 |
| Net income | 638,000 | 1,328,000 | 2,092,000 | 2,824,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,022,000 | 33,711,000 | 34,476,000 | 34,207,000 |
| Total capital | 34,607,000 | 35,357,000 | 36,172,000 | 35,903,000 |
| Risk-weighted assets | 175,592,000 | 171,719,000 | 175,150,000 | 176,325,000 |