Call reports 2002
RAMSEY NATIONAL BANK — 2002
What RAMSEY NATIONAL BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 150,409,000 | 147,784,000 | 147,919,000 | 150,681,000 |
| Total loans | 107,341,000 | 108,298,000 | 109,658,000 | 105,225,000 |
| Allowance for loan losses | 1,728,000 | 1,754,000 | 1,604,000 | 1,643,000 |
| Securities available for sale | 20,374,000 | 19,445,000 | 18,003,000 | 17,500,000 |
| Securities held to maturity | 270,000 | 150,000 | 150,000 | 150,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 129,586,000 | 127,494,000 | 127,247,000 | 130,282,000 |
| Interest-bearing deposits | 116,423,000 | 113,731,000 | 113,241,000 | 112,544,000 |
| Noninterest-bearing deposits | 13,163,000 | 13,763,000 | 14,006,000 | 17,738,000 |
| Equity capital | 16,914,000 | 17,011,000 | 17,425,000 | 17,190,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 2,471,000 | 4,659,000 | 6,956,000 | 9,059,000 |
| Interest expense | 841,000 | 1,639,000 | 2,404,000 | 3,106,000 |
| Net interest income | 1,630,000 | 3,020,000 | 4,552,000 | 5,953,000 |
| Noninterest income | 319,000 | 676,000 | 993,000 | 1,268,000 |
| Noninterest expense | 1,256,000 | 2,450,000 | 3,667,000 | 4,958,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 663,000 | 1,193,000 | 1,795,000 | 2,161,000 |
| Income tax | 172,000 | 392,000 | 603,000 | 737,000 |
| Net income | 491,000 | 801,000 | 1,192,000 | 1,424,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,133,000 | 15,109,000 | 15,434,000 | 15,253,000 |
| Total capital | 16,491,000 | 16,463,000 | 16,809,000 | 16,589,000 |
| Risk-weighted assets | 108,251,000 | 107,948,000 | 109,799,000 | 106,559,000 |