Call reports 2014
RAMSEY NATIONAL BANK — 2014
What RAMSEY NATIONAL BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 268,383,000 | 266,102,000 | 261,584,000 | 266,273,000 |
| Total loans | 171,450,000 | 180,889,000 | 182,139,000 | 190,310,000 |
| Allowance for loan losses | 2,117,000 | 2,154,000 | 2,223,000 | 2,324,000 |
| Securities available for sale | 74,970,000 | 74,251,000 | 68,797,000 | 65,766,000 |
| Securities held to maturity | 21,000 | 21,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 237,146,000 | 232,299,000 | 228,143,000 | 231,718,000 |
| Interest-bearing deposits | 196,573,000 | 190,744,000 | 184,954,000 | 184,378,000 |
| Noninterest-bearing deposits | 40,573,000 | 41,555,000 | 43,189,000 | 47,340,000 |
| Equity capital | 27,688,000 | 28,838,000 | 29,591,000 | 29,414,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,438,000 | 4,985,000 | 7,619,000 | 10,291,000 |
| Interest expense | 340,000 | 659,000 | 970,000 | 1,277,000 |
| Net interest income | 2,098,000 | 4,326,000 | 6,649,000 | 9,014,000 |
| Noninterest income | 320,000 | 676,000 | 1,039,000 | 1,507,000 |
| Noninterest expense | 1,405,000 | 2,899,000 | 4,358,000 | 6,078,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,013,000 | 2,103,000 | 3,330,000 | 4,443,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,013,000 | 2,103,000 | 3,330,000 | 4,443,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,017,000 | 27,664,000 | 28,460,000 | 28,097,000 |
| Total capital | 29,123,000 | 29,818,000 | 30,683,000 | 30,421,000 |
| Risk-weighted assets | 169,179,000 | 179,403,000 | 181,381,000 | 188,209,000 |