Call reports 2009
RAMSEY NATIONAL BANK — 2009
What RAMSEY NATIONAL BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 194,742,000 | 191,977,000 | 199,328,000 | 203,315,000 |
| Total loans | 157,666,000 | 160,961,000 | 164,469,000 | 167,821,000 |
| Allowance for loan losses | 2,170,000 | 2,390,000 | 2,428,000 | 1,906,000 |
| Securities available for sale | 18,961,000 | 18,438,000 | 18,456,000 | 18,664,000 |
| Securities held to maturity | 103,000 | 103,000 | 103,000 | 103,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 158,018,000 | 157,222,000 | 164,485,000 | 168,686,000 |
| Interest-bearing deposits | 135,285,000 | 132,818,000 | 138,690,000 | 140,887,000 |
| Noninterest-bearing deposits | 22,733,000 | 24,404,000 | 25,795,000 | 27,799,000 |
| Equity capital | 21,767,000 | 21,479,000 | 21,501,000 | 21,810,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,336,000 | 4,800,000 | 7,403,000 | 10,062,000 |
| Interest expense | 752,000 | 1,470,000 | 2,181,000 | 2,889,000 |
| Net interest income | 1,584,000 | 3,330,000 | 5,222,000 | 7,173,000 |
| Noninterest income | 347,000 | 645,000 | 957,000 | 1,318,000 |
| Noninterest expense | 1,262,000 | 2,661,000 | 4,218,000 | 5,696,000 |
| Provision for loan losses | 351,000 | 882,000 | 1,122,000 | 1,247,000 |
| Pretax income | 318,000 | 432,000 | 839,000 | 1,548,000 |
| Income tax | -15,000 | -11,000 | 48,000 | 98,000 |
| Net income | 333,000 | 443,000 | 791,000 | 1,450,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,085,000 | 19,877,000 | 19,908,000 | 20,278,000 |
| Total capital | 22,023,000 | 21,846,000 | 21,928,000 | 22,184,000 |
| Risk-weighted assets | 154,830,000 | 157,120,000 | 161,156,000 | 164,510,000 |