Call reports 2021
BANK OF ROMNEY, THE — 2021
What BANK OF ROMNEY, THE reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 347,193,000 | 353,762,000 | 363,238,000 | 372,387,000 |
| Total loans | 234,937,000 | 245,995,000 | 252,171,000 | 261,056,000 |
| Allowance for loan losses | 2,150,000 | 2,322,000 | 2,398,000 | 2,352,000 |
| Securities available for sale | 79,106,000 | 81,840,000 | 76,747,000 | 78,010,000 |
| Securities held to maturity | 302,000 | 298,000 | 294,000 | 289,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 250,758,000 | 254,278,000 | 258,576,000 | 263,398,000 |
| Interest-bearing deposits | 177,769,000 | 181,475,000 | 183,878,000 | 184,897,000 |
| Noninterest-bearing deposits | 72,990,000 | 72,803,000 | 74,698,000 | 78,501,000 |
| Equity capital | 36,562,000 | 37,811,000 | 39,530,000 | 42,066,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 3,572,000 | 7,403,000 | 11,481,000 | 15,253,000 |
| Interest expense | 585,000 | 1,122,000 | 1,628,000 | 2,134,000 |
| Net interest income | 2,987,000 | 6,281,000 | 9,853,000 | 13,119,000 |
| Noninterest income | 494,000 | 935,000 | 1,829,000 | 2,280,000 |
| Noninterest expense | 2,153,000 | 4,298,000 | 6,713,000 | 9,022,000 |
| Provision for loan losses | 120,000 | 240,000 | 240,000 | 240,000 |
| Pretax income | 1,259,000 | 2,771,000 | 4,827,000 | 6,235,000 |
| Income tax | 254,000 | 558,000 | 911,000 | 1,184,000 |
| Net income | 1,005,000 | 2,213,000 | 3,916,000 | 5,051,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,596,000 | 41,804,000 | 43,507,000 | 44,641,000 |