Call reports 2007
RAMSEY NATIONAL BANK — 2007
What RAMSEY NATIONAL BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 175,263,000 | 174,702,000 | 175,928,000 | 178,205,000 |
| Total loans | 140,770,000 | 141,603,000 | 144,873,000 | 144,670,000 |
| Allowance for loan losses | 1,835,000 | 1,843,000 | 1,841,000 | 1,819,000 |
| Securities available for sale | 18,474,000 | 18,047,000 | 18,418,000 | 18,372,000 |
| Securities held to maturity | 128,000 | 128,000 | 128,000 | 128,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 143,817,000 | 143,237,000 | 142,664,000 | 145,695,000 |
| Interest-bearing deposits | 126,714,000 | 122,022,000 | 125,553,000 | 122,175,000 |
| Noninterest-bearing deposits | 17,103,000 | 21,215,000 | 17,111,000 | 23,520,000 |
| Equity capital | 20,117,000 | 20,232,000 | 20,844,000 | 20,388,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,918,000 | 5,968,000 | 8,968,000 | 11,887,000 |
| Interest expense | 1,383,000 | 2,718,000 | 4,086,000 | 5,285,000 |
| Net interest income | 1,535,000 | 3,250,000 | 4,882,000 | 6,602,000 |
| Noninterest income | 350,000 | 641,000 | 966,000 | 1,323,000 |
| Noninterest expense | 1,267,000 | 2,527,000 | 3,721,000 | 5,142,000 |
| Provision for loan losses | 45,000 | 60,000 | 60,000 | 60,000 |
| Pretax income | 573,000 | 1,304,000 | 2,067,000 | 2,723,000 |
| Income tax | 171,000 | 419,000 | 690,000 | 1,044,000 |
| Net income | 402,000 | 885,000 | 1,377,000 | 1,679,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,048,000 | 19,259,000 | 19,749,000 | 19,129,000 |
| Total capital | 20,797,000 | 21,018,000 | 21,573,000 | 20,948,000 |
| Risk-weighted assets | 140,481,000 | 140,655,000 | 145,880,000 | 145,479,000 |