Call reports 2023
BANK OF ROMNEY, THE — 2023
What BANK OF ROMNEY, THE reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 361,471,000 | 354,927,000 | 357,513,000 | 358,407,000 |
| Total loans | 265,747,000 | 261,541,000 | 267,990,000 | 267,655,000 |
| Allowance for loan losses | 2,525,000 | 2,323,000 | 2,357,000 | 2,370,000 |
| Securities available for sale | 61,191,000 | 57,898,000 | 56,850,000 | 58,023,000 |
| Securities held to maturity | 267,000 | 262,000 | 258,000 | 253,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 264,102,000 | 260,910,000 | 262,258,000 | 261,960,000 |
| Interest-bearing deposits | 185,425,000 | 185,549,000 | 189,873,000 | 190,032,000 |
| Noninterest-bearing deposits | 78,676,000 | 75,361,000 | 72,385,000 | 71,928,000 |
| Equity capital | 43,784,000 | 44,239,000 | 44,767,000 | 46,367,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 4,007,000 | 8,337,000 | 12,692,000 | 17,278,000 |
| Interest expense | 738,000 | 1,602,000 | 2,589,000 | 3,746,000 |
| Net interest income | 3,269,000 | 6,735,000 | 10,103,000 | 13,532,000 |
| Noninterest income | 431,000 | 850,000 | 1,306,000 | 1,778,000 |
| Noninterest expense | 2,236,000 | 4,556,000 | 6,951,000 | 9,335,000 |
| Provision for loan losses | 28,000 | 9,000 | 20,000 | 79,000 |
| Pretax income | 990,000 | 2,424,000 | 3,842,000 | 5,304,000 |
| Income tax | 192,000 | 502,000 | 840,000 | 1,164,000 |
| Net income | 798,000 | 1,922,000 | 3,002,000 | 4,140,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,907,000 | 51,032,000 | 51,968,000 | 52,136,000 |