Call reports 2020
BANK OF ROMNEY, THE — 2020
What BANK OF ROMNEY, THE reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 309,311,000 | 327,022,000 | 338,588,000 | 336,018,000 |
| Total loans | 219,330,000 | 223,670,000 | 234,172,000 | 235,765,000 |
| Allowance for loan losses | 1,812,000 | 1,933,000 | 2,005,000 | 2,065,000 |
| Securities available for sale | 51,267,000 | 75,784,000 | 72,186,000 | 68,492,000 |
| Securities held to maturity | 319,000 | 315,000 | 310,000 | 306,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 218,807,000 | 235,260,000 | 239,937,000 | 240,087,000 |
| Interest-bearing deposits | 166,295,000 | 176,243,000 | 180,170,000 | 174,788,000 |
| Noninterest-bearing deposits | 52,512,000 | 59,017,000 | 59,767,000 | 65,299,000 |
| Equity capital | 34,019,000 | 35,014,000 | 36,052,000 | 36,167,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 3,487,000 | 6,952,000 | 10,495,000 | 14,194,000 |
| Interest expense | 726,000 | 1,456,000 | 2,140,000 | 2,754,000 |
| Net interest income | 2,761,000 | 5,496,000 | 8,355,000 | 11,440,000 |
| Noninterest income | 373,000 | 775,000 | 1,161,000 | 1,613,000 |
| Noninterest expense | 1,950,000 | 3,902,000 | 5,840,000 | 7,882,000 |
| Provision for loan losses | 60,000 | 170,000 | 290,000 | 410,000 |
| Pretax income | 1,125,000 | 2,200,000 | 3,387,000 | 4,773,000 |
| Income tax | 232,000 | 427,000 | 673,000 | 943,000 |
| Net income | 893,000 | 1,773,000 | 2,714,000 | 3,830,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,654,000 | 38,034,000 | 38,974,000 | 39,590,000 |