Call reports 2010
RAMSEY NATIONAL BANK — 2010
What RAMSEY NATIONAL BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 205,294,000 | 203,888,000 | 206,023,000 | 216,621,000 |
| Total loans | 163,937,000 | 165,072,000 | 166,335,000 | 166,997,000 |
| Allowance for loan losses | 1,909,000 | 1,890,000 | 1,884,000 | 2,094,000 |
| Securities available for sale | 20,071,000 | 25,827,000 | 22,721,000 | 30,147,000 |
| Securities held to maturity | 90,000 | 90,000 | 90,000 | 90,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 170,354,000 | 169,801,000 | 172,159,000 | 183,391,000 |
| Interest-bearing deposits | 146,712,000 | 145,727,000 | 147,959,000 | 152,455,000 |
| Noninterest-bearing deposits | 23,642,000 | 24,074,000 | 24,200,000 | 30,936,000 |
| Equity capital | 22,073,000 | 21,987,000 | 22,627,000 | 22,439,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,421,000 | 4,957,000 | 7,540,000 | 10,031,000 |
| Interest expense | 668,000 | 1,329,000 | 1,960,000 | 2,549,000 |
| Net interest income | 1,753,000 | 3,628,000 | 5,580,000 | 7,482,000 |
| Noninterest income | 384,000 | 763,000 | 1,065,000 | 1,437,000 |
| Noninterest expense | 1,364,000 | 2,677,000 | 4,113,000 | 5,529,000 |
| Provision for loan losses | 90,000 | 790,000 | 790,000 | 1,062,000 |
| Pretax income | 683,000 | 924,000 | 1,742,000 | 2,328,000 |
| Income tax | 53,000 | 112,000 | 140,000 | 169,000 |
| Net income | 630,000 | 812,000 | 1,602,000 | 2,159,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,633,000 | 20,491,000 | 20,945,000 | 21,142,000 |
| Total capital | 22,542,000 | 22,381,000 | 22,829,000 | 23,202,000 |
| Risk-weighted assets | 161,794,000 | 161,924,000 | 163,883,000 | 165,045,000 |