Call reports 2003
RAMSEY NATIONAL BANK — 2003
What RAMSEY NATIONAL BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 146,795,000 | 145,412,000 | 143,609,000 | 148,377,000 |
| Total loans | 100,129,000 | 102,986,000 | 105,291,000 | 103,694,000 |
| Allowance for loan losses | 1,638,000 | 1,705,000 | 1,707,000 | 1,696,000 |
| Securities available for sale | 20,497,000 | 23,316,000 | 22,633,000 | 22,671,000 |
| Securities held to maturity | 150,000 | 150,000 | 150,000 | 150,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 126,188,000 | 124,644,000 | 123,717,000 | 128,682,000 |
| Interest-bearing deposits | 111,864,000 | 109,905,000 | 108,604,000 | 111,322,000 |
| Noninterest-bearing deposits | 14,324,000 | 14,739,000 | 15,113,000 | 17,360,000 |
| Equity capital | 17,404,000 | 17,692,000 | 17,695,000 | 17,680,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,986,000 | 3,948,000 | 5,825,000 | 7,643,000 |
| Interest expense | 619,000 | 1,180,000 | 1,682,000 | 2,154,000 |
| Net interest income | 1,367,000 | 2,768,000 | 4,143,000 | 5,489,000 |
| Noninterest income | 340,000 | 712,000 | 1,029,000 | 1,336,000 |
| Noninterest expense | 1,153,000 | 2,329,000 | 3,501,000 | 4,779,000 |
| Provision for loan losses | 15,000 | 15,000 | 15,000 | 15,000 |
| Pretax income | 539,000 | 1,136,000 | 1,656,000 | 2,034,000 |
| Income tax | 183,000 | 387,000 | 558,000 | 676,000 |
| Net income | 356,000 | 749,000 | 1,098,000 | 1,358,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,514,000 | 15,709,000 | 15,954,000 | 16,006,000 |
| Total capital | 16,796,000 | 17,000,000 | 17,281,000 | 17,324,000 |
| Risk-weighted assets | 102,231,000 | 102,906,000 | 105,468,000 | 105,091,000 |