Call reports 2015
RAMSEY NATIONAL BANK — 2015
What RAMSEY NATIONAL BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 266,409,000 | 264,857,000 | 261,908,000 | 266,503,000 |
| Total loans | 183,554,000 | 192,357,000 | 196,492,000 | 194,656,000 |
| Allowance for loan losses | 2,342,000 | 2,383,000 | 2,403,000 | 2,377,000 |
| Securities available for sale | 61,865,000 | 60,264,000 | 57,212,000 | 53,234,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 232,091,000 | 229,930,000 | 225,875,000 | 232,121,000 |
| Interest-bearing deposits | 188,916,000 | 187,308,000 | 183,277,000 | 183,621,000 |
| Noninterest-bearing deposits | 43,175,000 | 42,622,000 | 42,598,000 | 48,500,000 |
| Equity capital | 30,783,000 | 31,278,000 | 32,191,000 | 30,970,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,556,000 | 5,138,000 | 7,859,000 | 10,540,000 |
| Interest expense | 300,000 | 600,000 | 898,000 | 1,190,000 |
| Net interest income | 2,256,000 | 4,538,000 | 6,961,000 | 9,350,000 |
| Noninterest income | 316,000 | 660,000 | 1,012,000 | 1,419,000 |
| Noninterest expense | 1,517,000 | 2,982,000 | 4,453,000 | 6,193,000 |
| Provision for loan losses | -685,000 | -685,000 | -685,000 | -685,000 |
| Pretax income | 1,742,000 | 2,903,000 | 4,207,000 | 5,269,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,742,000 | 2,903,000 | 4,207,000 | 5,269,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,382,000 | 30,124,000 | 30,971,000 | 29,909,000 |
| Total capital | 31,658,000 | 32,493,000 | 33,374,000 | 32,286,000 |
| Risk-weighted assets | 182,022,000 | 189,516,000 | 194,000,000 | 192,907,000 |