Call reports 2012
ROMASIA BANK — 2012
What ROMASIA BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 138,041,000 | 144,616,000 | 152,627,000 | 155,360,000 |
| Total loans | 56,041,000 | 61,561,000 | 70,613,000 | 71,167,000 |
| Allowance for loan losses | 574,000 | 677,000 | 767,000 | 783,000 |
| Securities available for sale | 18,378,000 | 18,639,000 | 18,936,000 | 16,414,000 |
| Securities held to maturity | 49,714,000 | 49,892,000 | 47,073,000 | 45,671,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 110,437,000 | 111,771,000 | 118,108,000 | 120,902,000 |
| Interest-bearing deposits | 106,150,000 | 106,577,000 | 111,572,000 | 112,731,000 |
| Noninterest-bearing deposits | 4,287,000 | 5,194,000 | 6,536,000 | 8,171,000 |
| Equity capital | 15,876,000 | 16,046,000 | 16,222,000 | 16,331,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,373,000 | 2,751,000 | 4,129,000 | 5,591,000 |
| Interest expense | 398,000 | 784,000 | 1,193,000 | 1,597,000 |
| Net interest income | 975,000 | 1,967,000 | 2,936,000 | 3,994,000 |
| Noninterest income | 199,000 | 444,000 | 691,000 | 993,000 |
| Noninterest expense | 973,000 | 2,012,000 | 3,060,000 | 4,185,000 |
| Provision for loan losses | 40,000 | 142,000 | 233,000 | 248,000 |
| Pretax income | 161,000 | 271,000 | 467,000 | 729,000 |
| Income tax | 69,000 | 119,000 | 201,000 | 317,000 |
| Net income | 92,000 | 152,000 | 266,000 | 412,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,897,000 | 15,033,000 | 15,197,000 | 15,411,000 |
| Total capital | 15,471,000 | 15,710,000 | 15,969,000 | 16,203,000 |
| Risk-weighted assets | 70,689,000 | 73,294,000 | 79,421,000 | 80,220,000 |