Call reports 2011
RAMSEY NATIONAL BANK — 2011
What RAMSEY NATIONAL BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 225,848,000 | 232,333,000 | 232,466,000 | 241,087,000 |
| Total loans | 159,362,000 | 164,349,000 | 171,115,000 | 169,464,000 |
| Allowance for loan losses | 2,185,000 | 1,960,000 | 2,110,000 | 1,981,000 |
| Securities available for sale | 35,078,000 | 48,960,000 | 48,113,000 | 52,269,000 |
| Securities held to maturity | 75,000 | 75,000 | 75,000 | 75,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 192,231,000 | 198,721,000 | 199,732,000 | 208,646,000 |
| Interest-bearing deposits | 162,220,000 | 162,668,000 | 164,339,000 | 167,535,000 |
| Noninterest-bearing deposits | 30,011,000 | 36,053,000 | 35,393,000 | 41,111,000 |
| Equity capital | 22,679,000 | 23,597,000 | 24,444,000 | 24,580,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,543,000 | 5,241,000 | 7,993,000 | 10,716,000 |
| Interest expense | 576,000 | 1,131,000 | 1,646,000 | 2,130,000 |
| Net interest income | 1,967,000 | 4,110,000 | 6,347,000 | 8,586,000 |
| Noninterest income | 325,000 | 623,000 | 937,000 | 1,393,000 |
| Noninterest expense | 1,427,000 | 2,878,000 | 4,203,000 | 5,737,000 |
| Provision for loan losses | 87,000 | 252,000 | 395,000 | 392,000 |
| Pretax income | 778,000 | 1,613,000 | 2,746,000 | 3,910,000 |
| Income tax | 69,000 | 76,000 | 140,000 | 223,000 |
| Net income | 709,000 | 1,537,000 | 2,606,000 | 3,687,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,516,000 | 22,080,000 | 22,801,000 | 22,885,000 |
| Total capital | 23,443,000 | 24,040,000 | 24,879,000 | 24,866,000 |
| Risk-weighted assets | 155,930,000 | 160,573,000 | 166,233,000 | 165,724,000 |