Call reports 2025
BANK OF ROMNEY, THE — 2025
What BANK OF ROMNEY, THE reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 356,535,000 | 350,076,000 | 363,227,000 | 365,004,000 |
| Total loans | 257,511,000 | 256,113,000 | 258,817,000 | 263,164,000 |
| Allowance for loan losses | 2,226,000 | 2,537,000 | 2,312,000 | 2,337,000 |
| Securities available for sale | 53,085,000 | 57,892,000 | 60,393,000 | 65,434,000 |
| Securities held to maturity | 229,000 | 224,000 | 219,000 | 214,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 268,250,000 | 261,057,000 | 276,740,000 | 277,227,000 |
| Interest-bearing deposits | 195,596,000 | 191,245,000 | 206,042,000 | 206,376,000 |
| Noninterest-bearing deposits | 72,654,000 | 69,812,000 | 70,698,000 | 70,851,000 |
| Equity capital | 53,992,000 | 55,526,000 | 57,005,000 | 58,144,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 4,825,000 | 10,300,000 | 15,126,000 | 20,228,000 |
| Interest expense | 1,198,000 | 2,548,000 | 3,915,000 | 5,280,000 |
| Net interest income | 3,627,000 | 7,752,000 | 11,211,000 | 14,948,000 |
| Noninterest income | 482,000 | 934,000 | 1,424,000 | 1,915,000 |
| Noninterest expense | 2,517,000 | 5,062,000 | 7,658,000 | 10,281,000 |
| Provision for loan losses | 75,000 | 475,000 | 625,000 | 700,000 |
| Pretax income | 1,517,000 | 3,167,000 | 4,345,000 | 5,875,000 |
| Income tax | 339,000 | 711,000 | 972,000 | 1,278,000 |
| Net income | 1,178,000 | 2,456,000 | 3,373,000 | 4,597,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 55,677,000 | 56,789,000 | 57,706,000 | 57,730,000 |