Call reports 2012
RAMSEY NATIONAL BANK — 2012
What RAMSEY NATIONAL BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 251,099,000 | 251,718,000 | 249,188,000 | 259,175,000 |
| Total loans | 159,804,000 | 175,557,000 | 171,246,000 | 168,708,000 |
| Allowance for loan losses | 1,990,000 | 1,994,000 | 2,002,000 | 1,852,000 |
| Securities available for sale | 66,194,000 | 67,326,000 | 64,685,000 | 71,347,000 |
| Securities held to maturity | 59,000 | 59,000 | 59,000 | 59,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 217,936,000 | 207,220,000 | 214,915,000 | 226,101,000 |
| Interest-bearing deposits | 178,688,000 | 174,527,000 | 175,735,000 | 180,722,000 |
| Noninterest-bearing deposits | 39,248,000 | 32,693,000 | 39,180,000 | 45,379,000 |
| Equity capital | 25,133,000 | 25,706,000 | 26,819,000 | 26,167,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,554,000 | 5,189,000 | 7,952,000 | 10,539,000 |
| Interest expense | 476,000 | 942,000 | 1,385,000 | 1,812,000 |
| Net interest income | 2,078,000 | 4,247,000 | 6,567,000 | 8,727,000 |
| Noninterest income | 316,000 | 746,000 | 1,098,000 | 1,488,000 |
| Noninterest expense | 1,353,000 | 2,733,000 | 4,084,000 | 5,666,000 |
| Provision for loan losses | 0 | 0 | 0 | 75,000 |
| Pretax income | 1,041,000 | 2,294,000 | 3,615,000 | 4,508,000 |
| Income tax | 84,000 | 203,000 | 296,000 | 374,000 |
| Net income | 957,000 | 2,091,000 | 3,319,000 | 4,134,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,410,000 | 24,100,000 | 24,896,000 | 24,619,000 |
| Total capital | 25,339,000 | 26,094,000 | 26,898,000 | 26,471,000 |
| Risk-weighted assets | 155,691,000 | 175,056,000 | 166,846,000 | 166,273,000 |