Call reports 2016
RAMSEY NATIONAL BANK — 2016
What RAMSEY NATIONAL BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 257,899,000 | 259,657,000 | 260,318,000 | 260,837,000 |
| Total loans | 185,789,000 | 194,158,000 | 195,437,000 | 184,710,000 |
| Allowance for loan losses | 2,208,000 | 2,241,000 | 2,331,000 | 2,329,000 |
| Securities available for sale | 51,979,000 | 55,155,000 | 55,539,000 | 60,380,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 223,018,000 | 223,993,000 | 219,209,000 | 227,535,000 |
| Interest-bearing deposits | 182,182,000 | 179,982,000 | 175,609,000 | 175,917,000 |
| Noninterest-bearing deposits | 40,836,000 | 44,011,000 | 43,600,000 | 51,618,000 |
| Equity capital | 31,367,000 | 32,020,000 | 32,783,000 | 30,914,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,544,000 | 5,107,000 | 7,713,000 | 10,270,000 |
| Interest expense | 285,000 | 567,000 | 850,000 | 1,123,000 |
| Net interest income | 2,259,000 | 4,540,000 | 6,863,000 | 9,147,000 |
| Noninterest income | 342,000 | 675,000 | 1,011,000 | 1,413,000 |
| Noninterest expense | 1,554,000 | 3,062,000 | 4,569,000 | 6,297,000 |
| Provision for loan losses | 375,000 | 475,000 | 475,000 | 475,000 |
| Pretax income | 687,000 | 1,693,000 | 2,862,000 | 3,820,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 687,000 | 1,693,000 | 2,862,000 | 3,820,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,176,000 | 30,750,000 | 31,512,000 | 30,969,000 |
| Total capital | 32,384,000 | 32,991,000 | 33,843,000 | 33,258,000 |
| Risk-weighted assets | 182,245,000 | 188,941,000 | 191,909,000 | 183,094,000 |