Call reports 2018
RAMSEY NATIONAL BANK — 2018
What RAMSEY NATIONAL BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 250,329,000 | 246,515,000 | 252,508,000 | 252,373,000 |
| Total loans | 175,129,000 | 184,700,000 | 191,130,000 | 192,904,000 |
| Allowance for loan losses | 2,430,000 | 2,430,000 | 2,426,000 | 2,423,000 |
| Securities available for sale | 58,873,000 | 55,505,000 | 52,228,000 | 50,149,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 217,755,000 | 213,187,000 | 206,896,000 | 208,477,000 |
| Interest-bearing deposits | 172,710,000 | 166,714,000 | 161,748,000 | 160,827,000 |
| Noninterest-bearing deposits | 45,045,000 | 46,473,000 | 45,148,000 | 47,650,000 |
| Equity capital | 31,114,000 | 31,561,000 | 32,087,000 | 31,920,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 2,492,000 | 5,058,000 | 7,761,000 | 10,582,000 |
| Interest expense | 239,000 | 497,000 | 777,000 | 1,108,000 |
| Net interest income | 2,253,000 | 4,561,000 | 6,984,000 | 9,474,000 |
| Noninterest income | 311,000 | 629,000 | 958,000 | 1,350,000 |
| Noninterest expense | 1,639,000 | 3,120,000 | 4,607,000 | 6,346,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 925,000 | 2,070,000 | 3,335,000 | 4,478,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 925,000 | 2,070,000 | 3,335,000 | 4,478,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,126,000 | 32,743,000 | 33,504,000 | 32,834,000 |
| Total capital | 34,308,000 | 35,030,000 | 35,878,000 | 35,220,000 |
| Risk-weighted assets | 174,326,000 | 182,802,000 | 189,850,000 | 190,684,000 |