Call reports 2004
RAMSEY NATIONAL BANK — 2004
What RAMSEY NATIONAL BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 149,180,000 | 145,734,000 | 143,635,000 | 146,327,000 |
| Total loans | 98,608,000 | 104,047,000 | 108,592,000 | 109,787,000 |
| Allowance for loan losses | 1,681,000 | 1,634,000 | 1,635,000 | 1,637,000 |
| Securities available for sale | 24,713,000 | 24,803,000 | 23,654,000 | 21,128,000 |
| Securities held to maturity | 150,000 | 150,000 | 150,000 | 150,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 129,158,000 | 125,985,000 | 124,352,000 | 127,220,000 |
| Interest-bearing deposits | 112,991,000 | 109,337,000 | 107,744,000 | 107,264,000 |
| Noninterest-bearing deposits | 16,167,000 | 16,648,000 | 16,608,000 | 19,956,000 |
| Equity capital | 18,036,000 | 17,791,000 | 18,093,000 | 18,077,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,841,000 | 3,587,000 | 5,408,000 | 7,318,000 |
| Interest expense | 465,000 | 927,000 | 1,414,000 | 1,929,000 |
| Net interest income | 1,376,000 | 2,660,000 | 3,994,000 | 5,389,000 |
| Noninterest income | 506,000 | 867,000 | 1,188,000 | 1,481,000 |
| Noninterest expense | 1,252,000 | 2,464,000 | 3,644,000 | 4,972,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 630,000 | 1,063,000 | 1,538,000 | 1,898,000 |
| Income tax | 218,000 | 350,000 | 501,000 | 609,000 |
| Net income | 412,000 | 713,000 | 1,037,000 | 1,289,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,317,000 | 16,448,000 | 16,669,000 | 16,742,000 |
| Total capital | 17,585,000 | 17,758,000 | 18,023,000 | 18,111,000 |
| Risk-weighted assets | 101,000,000 | 104,504,000 | 108,063,000 | 109,218,000 |