Call reports 2006
RAMSEY NATIONAL BANK — 2006
What RAMSEY NATIONAL BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 156,993,000 | 167,087,000 | 174,475,000 | 174,753,000 |
| Total loans | 128,267,000 | 138,622,000 | 143,090,000 | 141,056,000 |
| Allowance for loan losses | 1,689,000 | 1,712,000 | 1,760,000 | 1,809,000 |
| Securities available for sale | 17,764,000 | 17,494,000 | 18,031,000 | 18,467,000 |
| Securities held to maturity | 140,000 | 140,000 | 140,000 | 140,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 131,155,000 | 136,133,000 | 141,979,000 | 142,309,000 |
| Interest-bearing deposits | 114,389,000 | 118,574,000 | 125,416,000 | 122,650,000 |
| Noninterest-bearing deposits | 16,766,000 | 17,559,000 | 16,563,000 | 19,659,000 |
| Equity capital | 19,245,000 | 19,305,000 | 19,606,000 | 19,700,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,470,000 | 5,099,000 | 7,969,000 | 10,924,000 |
| Interest expense | 979,000 | 2,072,000 | 3,432,000 | 4,796,000 |
| Net interest income | 1,491,000 | 3,027,000 | 4,537,000 | 6,128,000 |
| Noninterest income | 355,000 | 665,000 | 999,000 | 1,368,000 |
| Noninterest expense | 1,318,000 | 2,551,000 | 3,786,000 | 5,117,000 |
| Provision for loan losses | 30,000 | 60,000 | 105,000 | 150,000 |
| Pretax income | 498,000 | 1,081,000 | 1,645,000 | 2,229,000 |
| Income tax | 156,000 | 353,000 | 585,000 | 735,000 |
| Net income | 342,000 | 728,000 | 1,060,000 | 1,494,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,159,000 | 18,291,000 | 18,544,000 | 18,619,000 |
| Total capital | 19,715,000 | 19,970,000 | 20,304,000 | 20,383,000 |
| Risk-weighted assets | 124,327,000 | 134,296,000 | 141,794,000 | 140,988,000 |