Call reports 2013
ROMASIA BANK — 2013
What ROMASIA BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 |
|---|---|---|---|
| Total assets | 145,669,000 | 141,221,000 | 133,355,000 |
| Total loans | 71,678,000 | 69,911,000 | 68,269,000 |
| Allowance for loan losses | 768,000 | 829,000 | 802,000 |
| Securities available for sale | 14,890,000 | 13,922,000 | 13,007,000 |
| Securities held to maturity | 41,082,000 | 38,314,000 | 36,042,000 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 114,637,000 | 110,618,000 | 103,160,000 |
| Interest-bearing deposits | 105,910,000 | 101,337,000 | 94,633,000 |
| Noninterest-bearing deposits | 8,727,000 | 9,281,000 | 8,527,000 |
| Equity capital | 16,400,000 | 16,125,000 | 16,084,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 |
|---|---|---|---|
| Interest income | 1,396,000 | 2,726,000 | 3,979,000 |
| Interest expense | 366,000 | 699,000 | 1,014,000 |
| Net interest income | 1,030,000 | 2,027,000 | 2,965,000 |
| Noninterest income | 145,000 | 287,000 | 319,000 |
| Noninterest expense | 997,000 | 2,076,000 | 2,927,000 |
| Provision for loan losses | 4,000 | 65,000 | 175,000 |
| Pretax income | 175,000 | 174,000 | 182,000 |
| Income tax | 75,000 | 75,000 | 101,000 |
| Net income | 100,000 | 99,000 | 81,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 |
|---|---|---|---|
| Tier 1 capital | 15,485,000 | 15,275,000 | 15,266,000 |
| Total capital | 16,263,000 | 16,112,000 | 16,076,000 |
| Risk-weighted assets | 77,163,000 | 74,941,000 | 71,320,000 |