Call reports 2019
RAMSEY NATIONAL BANK — 2019
What RAMSEY NATIONAL BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 244,311,000 | 268,058,000 | 263,903,000 | 255,587,000 |
| Total loans | 188,534,000 | 207,740,000 | 209,260,000 | 202,928,000 |
| Allowance for loan losses | 2,407,000 | 2,407,000 | 2,397,000 | 2,260,000 |
| Securities available for sale | 48,416,000 | 46,589,000 | 44,349,000 | 42,042,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 206,839,000 | 211,531,000 | 207,627,000 | 212,526,000 |
| Interest-bearing deposits | 163,955,000 | 165,374,000 | 164,027,000 | 167,276,000 |
| Noninterest-bearing deposits | 42,884,000 | 46,157,000 | 43,600,000 | 45,250,000 |
| Equity capital | 33,009,000 | 34,411,000 | 35,533,000 | 35,008,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 2,756,000 | 5,635,000 | 8,680,000 | 11,647,000 |
| Interest expense | 365,000 | 795,000 | 1,309,000 | 1,786,000 |
| Net interest income | 2,391,000 | 4,840,000 | 7,371,000 | 9,861,000 |
| Noninterest income | 295,000 | 608,000 | 917,000 | 1,298,000 |
| Noninterest expense | 1,575,000 | 3,097,000 | 4,560,000 | 6,280,000 |
| Provision for loan losses | 0 | -300,000 | -300,000 | -430,000 |
| Pretax income | 1,111,000 | 2,651,000 | 4,028,000 | 5,309,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,111,000 | 2,651,000 | 4,028,000 | 5,309,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,441,000 | 34,118,000 | 34,990,000 | 34,329,000 |
| Total capital | 35,753,000 | 36,525,000 | 37,387,000 | 36,589,000 |
| Risk-weighted assets | 184,908,000 | 201,638,000 | 203,682,000 | 196,427,000 |