Call reports 2019
BANK OF ROMNEY, THE — 2019
What BANK OF ROMNEY, THE reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 288,016,000 | 288,824,000 | 306,404,000 | 293,960,000 |
| Total loans | 212,738,000 | 215,690,000 | 218,006,000 | 220,309,000 |
| Allowance for loan losses | 1,712,000 | 1,747,000 | 1,852,000 | 1,829,000 |
| Securities available for sale | 47,554,000 | 47,721,000 | 55,129,000 | 45,547,000 |
| Securities held to maturity | 335,000 | 331,000 | 327,000 | 323,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 207,225,000 | 205,254,000 | 222,082,000 | 207,378,000 |
| Interest-bearing deposits | 159,120,000 | 158,551,000 | 175,926,000 | 160,241,000 |
| Noninterest-bearing deposits | 48,106,000 | 46,703,000 | 46,156,000 | 47,137,000 |
| Equity capital | 29,729,000 | 30,966,000 | 32,024,000 | 33,008,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 3,159,000 | 6,443,000 | 9,910,000 | 13,469,000 |
| Interest expense | 710,000 | 1,469,000 | 2,284,000 | 3,074,000 |
| Net interest income | 2,449,000 | 4,974,000 | 7,626,000 | 10,395,000 |
| Noninterest income | 365,000 | 810,000 | 1,239,000 | 1,676,000 |
| Noninterest expense | 1,889,000 | 3,768,000 | 5,682,000 | 7,989,000 |
| Provision for loan losses | 66,000 | 132,000 | 198,000 | 198,000 |
| Pretax income | 859,000 | 1,884,000 | 2,985,000 | 3,885,000 |
| Income tax | 160,000 | 354,000 | 555,000 | 732,000 |
| Net income | 699,000 | 1,530,000 | 2,430,000 | 3,153,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,906,000 | 35,737,000 | 36,637,000 | 36,761,000 |
| Total capital | 36,618,000 | 37,484,000 | 38,489,000 | 38,590,000 |
| Risk-weighted assets | 180,120,000 | 182,098,000 | 185,036,000 | 186,709,000 |