Call reports 2005
RAMSEY NATIONAL BANK — 2005
What RAMSEY NATIONAL BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 145,019,000 | 148,177,000 | 156,804,000 | 161,067,000 |
| Total loans | 107,841,000 | 119,245,000 | 125,025,000 | 129,755,000 |
| Allowance for loan losses | 1,644,000 | 1,658,000 | 1,657,000 | 1,659,000 |
| Securities available for sale | 20,498,000 | 19,135,000 | 18,799,000 | 18,834,000 |
| Securities held to maturity | 150,000 | 150,000 | 150,000 | 150,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 125,908,000 | 126,669,000 | 130,163,000 | 134,575,000 |
| Interest-bearing deposits | 108,226,000 | 107,891,000 | 112,881,000 | 114,503,000 |
| Noninterest-bearing deposits | 17,682,000 | 18,778,000 | 17,282,000 | 20,072,000 |
| Equity capital | 18,113,000 | 18,431,000 | 18,827,000 | 18,912,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,874,000 | 3,983,000 | 6,320,000 | 8,667,000 |
| Interest expense | 562,000 | 1,183,000 | 1,986,000 | 2,879,000 |
| Net interest income | 1,312,000 | 2,800,000 | 4,334,000 | 5,788,000 |
| Noninterest income | 326,000 | 610,000 | 912,000 | 1,290,000 |
| Noninterest expense | 1,224,000 | 2,484,000 | 3,707,000 | 5,059,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 414,000 | 926,000 | 1,539,000 | 2,019,000 |
| Income tax | 121,000 | 289,000 | 497,000 | 656,000 |
| Net income | 293,000 | 637,000 | 1,042,000 | 1,363,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,909,000 | 17,228,000 | 17,639,000 | 17,788,000 |
| Total capital | 18,259,000 | 18,696,000 | 19,189,000 | 19,381,000 |
| Risk-weighted assets | 107,687,000 | 117,268,000 | 123,962,000 | 127,333,000 |