Call reports 2001
RAMSEY NATIONAL BANK — 2001
What RAMSEY NATIONAL BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 154,588,000 | 149,286,000 | 153,620,000 | 156,058,000 |
| Total loans | 106,454,000 | 110,924,000 | 116,764,000 | 113,501,000 |
| Allowance for loan losses | 1,476,000 | 1,672,000 | 1,676,000 | 1,699,000 |
| Securities available for sale | 25,362,000 | 23,839,000 | 22,678,000 | 22,385,000 |
| Securities held to maturity | 270,000 | 270,000 | 270,000 | 270,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 136,066,000 | 129,111,000 | 130,941,000 | 133,661,000 |
| Interest-bearing deposits | 124,044,000 | 117,137,000 | 118,601,000 | 117,432,000 |
| Noninterest-bearing deposits | 12,022,000 | 11,974,000 | 12,340,000 | 16,229,000 |
| Equity capital | 16,492,000 | 16,483,000 | 16,914,000 | 16,585,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 2,818,000 | 5,652,000 | 8,346,000 | 10,788,000 |
| Interest expense | 1,502,000 | 2,832,000 | 4,070,000 | 5,088,000 |
| Net interest income | 1,316,000 | 2,820,000 | 4,276,000 | 5,700,000 |
| Noninterest income | 370,000 | 719,000 | 1,046,000 | 1,387,000 |
| Noninterest expense | 1,284,000 | 2,544,000 | 3,775,000 | 5,076,000 |
| Provision for loan losses | 30,000 | 260,000 | 290,000 | 670,000 |
| Pretax income | 376,000 | 736,000 | 1,258,000 | 1,342,000 |
| Income tax | 115,000 | 260,000 | 417,000 | 462,000 |
| Net income | 261,000 | 476,000 | 841,000 | 880,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,574,000 | 14,597,000 | 14,848,000 | 14,664,000 |
| Total capital | 15,944,000 | 15,996,000 | 16,303,000 | 16,092,000 |
| Risk-weighted assets | 109,471,000 | 111,635,000 | 116,203,000 | 113,937,000 |