Call reports 2017
RAMSEY NATIONAL BANK — 2017
What RAMSEY NATIONAL BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 259,805,000 | 261,675,000 | 253,958,000 | 250,554,000 |
| Total loans | 174,912,000 | 189,288,000 | 187,123,000 | 181,305,000 |
| Allowance for loan losses | 2,329,000 | 2,331,000 | 2,343,000 | 2,342,000 |
| Securities available for sale | 63,989,000 | 64,050,000 | 59,475,000 | 58,610,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 226,001,000 | 221,730,000 | 214,898,000 | 217,551,000 |
| Interest-bearing deposits | 182,304,000 | 177,434,000 | 168,851,000 | 168,960,000 |
| Noninterest-bearing deposits | 43,697,000 | 44,296,000 | 46,047,000 | 48,591,000 |
| Equity capital | 31,324,000 | 32,359,000 | 33,081,000 | 31,657,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 2,448,000 | 4,996,000 | 7,610,000 | 10,201,000 |
| Interest expense | 264,000 | 523,000 | 788,000 | 1,044,000 |
| Net interest income | 2,184,000 | 4,473,000 | 6,822,000 | 9,157,000 |
| Noninterest income | 349,000 | 738,000 | 1,098,000 | 1,553,000 |
| Noninterest expense | 1,519,000 | 3,084,000 | 4,614,000 | 6,509,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,029,000 | 2,142,000 | 3,332,000 | 4,228,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,029,000 | 2,142,000 | 3,332,000 | 4,228,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,329,000 | 31,971,000 | 32,742,000 | 31,753,000 |
| Total capital | 33,498,000 | 34,302,000 | 35,075,000 | 34,025,000 |
| Risk-weighted assets | 173,358,000 | 188,169,000 | 186,628,000 | 181,678,000 |