Call reports 2008
RAMSEY NATIONAL BANK — 2008
What RAMSEY NATIONAL BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 184,843,000 | 184,581,000 | 187,673,000 | 188,671,000 |
| Total loans | 145,368,000 | 147,275,000 | 158,657,000 | 158,903,000 |
| Allowance for loan losses | 1,742,000 | 1,627,000 | 1,582,000 | 1,809,000 |
| Securities available for sale | 18,759,000 | 18,278,000 | 18,275,000 | 19,042,000 |
| Securities held to maturity | 116,000 | 116,000 | 116,000 | 116,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 149,886,000 | 150,665,000 | 147,104,000 | 149,866,000 |
| Interest-bearing deposits | 128,241,000 | 128,121,000 | 124,910,000 | 125,112,000 |
| Noninterest-bearing deposits | 21,645,000 | 22,544,000 | 22,194,000 | 24,754,000 |
| Equity capital | 20,857,000 | 20,663,000 | 21,207,000 | 21,856,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,769,000 | 5,442,000 | 8,112,000 | 11,021,000 |
| Interest expense | 1,035,000 | 1,928,000 | 2,828,000 | 3,662,000 |
| Net interest income | 1,734,000 | 3,514,000 | 5,284,000 | 7,359,000 |
| Noninterest income | 347,000 | 670,000 | 1,094,000 | 1,459,000 |
| Noninterest expense | 1,266,000 | 2,555,000 | 3,836,000 | 5,215,000 |
| Provision for loan losses | 0 | 161,000 | 161,000 | 431,000 |
| Pretax income | 815,000 | 1,468,000 | 2,384,000 | 3,175,000 |
| Income tax | 360,000 | 384,000 | 456,000 | 506,000 |
| Net income | 455,000 | 1,084,000 | 1,928,000 | 2,669,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,218,000 | 19,495,000 | 19,889,000 | 20,093,000 |
| Total capital | 20,960,000 | 21,122,000 | 21,471,000 | 21,902,000 |
| Risk-weighted assets | 145,525,000 | 146,907,000 | 155,529,000 | 155,553,000 |