Call reports 2022
BANK OF ROMNEY, THE — 2022
What BANK OF ROMNEY, THE reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 371,653,000 | 363,325,000 | 372,123,000 | 361,769,000 |
| Total loans | 260,294,000 | 263,965,000 | 269,805,000 | 265,897,000 |
| Allowance for loan losses | 2,346,000 | 2,348,000 | 2,311,000 | 2,530,000 |
| Securities available for sale | 73,855,000 | 70,629,000 | 68,026,000 | 64,065,000 |
| Securities held to maturity | 285,000 | 280,000 | 276,000 | 271,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 269,780,000 | 262,806,000 | 277,651,000 | 266,771,000 |
| Interest-bearing deposits | 189,617,000 | 185,081,000 | 196,931,000 | 190,785,000 |
| Noninterest-bearing deposits | 80,162,000 | 77,726,000 | 80,720,000 | 75,986,000 |
| Equity capital | 40,762,000 | 40,397,000 | 40,368,000 | 42,542,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 3,830,000 | 7,816,000 | 12,002,000 | 16,057,000 |
| Interest expense | 510,000 | 993,000 | 1,541,000 | 2,144,000 |
| Net interest income | 3,320,000 | 6,823,000 | 10,461,000 | 13,913,000 |
| Noninterest income | 376,000 | 788,000 | 1,234,000 | 1,679,000 |
| Noninterest expense | 2,167,000 | 4,417,000 | 6,634,000 | 8,929,000 |
| Provision for loan losses | 0 | 0 | 20,000 | 240,000 |
| Pretax income | 1,529,000 | 3,194,000 | 5,041,000 | 6,381,000 |
| Income tax | 344,000 | 719,000 | 1,107,000 | 1,403,000 |
| Net income | 1,185,000 | 2,475,000 | 3,934,000 | 4,978,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,827,000 | 47,116,000 | 48,576,000 | 49,219,000 |