Call reports 2013
RAMSEY NATIONAL BANK — 2013
What RAMSEY NATIONAL BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 270,704,000 | 258,685,000 | 259,766,000 | 259,591,000 |
| Total loans | 156,369,000 | 161,796,000 | 169,080,000 | 170,050,000 |
| Allowance for loan losses | 1,827,000 | 1,899,000 | 1,955,000 | 2,105,000 |
| Securities available for sale | 67,557,000 | 73,978,000 | 75,122,000 | 73,256,000 |
| Securities held to maturity | 41,000 | 41,000 | 41,000 | 41,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 236,930,000 | 227,315,000 | 228,537,000 | 229,223,000 |
| Interest-bearing deposits | 194,552,000 | 187,227,000 | 187,053,000 | 181,725,000 |
| Noninterest-bearing deposits | 42,378,000 | 40,088,000 | 41,484,000 | 47,498,000 |
| Equity capital | 26,742,000 | 26,469,000 | 27,162,000 | 26,901,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,494,000 | 4,884,000 | 7,735,000 | 10,265,000 |
| Interest expense | 411,000 | 790,000 | 1,159,000 | 1,511,000 |
| Net interest income | 2,083,000 | 4,094,000 | 6,576,000 | 8,754,000 |
| Noninterest income | 312,000 | 631,000 | 965,000 | 1,400,000 |
| Noninterest expense | 1,401,000 | 2,788,000 | 4,186,000 | 5,872,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 994,000 | 1,937,000 | 3,355,000 | 4,282,000 |
| Income tax | 38,000 | -117,000 | -117,000 | -117,000 |
| Net income | 956,000 | 2,054,000 | 3,472,000 | 4,399,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,143,000 | 25,809,000 | 26,795,000 | 26,426,000 |
| Total capital | 26,970,000 | 27,708,000 | 28,750,000 | 28,515,000 |
| Risk-weighted assets | 153,012,000 | 162,352,000 | 170,125,000 | 168,334,000 |