Call reports 2020
RAMSEY NATIONAL BANK — 2020
What RAMSEY NATIONAL BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 260,126,000 | 271,020,000 | 266,975,000 | 282,169,000 |
| Total loans | 195,931,000 | 209,616,000 | 200,690,000 | 181,391,000 |
| Allowance for loan losses | 2,261,000 | 2,261,000 | 2,256,000 | 2,252,000 |
| Securities available for sale | 39,248,000 | 37,285,000 | 34,512,000 | 43,776,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 216,954,000 | 226,730,000 | 221,704,000 | 236,954,000 |
| Interest-bearing deposits | 171,934,000 | 167,669,000 | 163,551,000 | 175,775,000 |
| Noninterest-bearing deposits | 45,020,000 | 59,061,000 | 58,153,000 | 61,179,000 |
| Equity capital | 35,532,000 | 37,594,000 | 38,357,000 | 38,741,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 2,790,000 | 5,811,000 | 8,596,000 | 10,985,000 |
| Interest expense | 446,000 | 791,000 | 1,092,000 | 1,380,000 |
| Net interest income | 2,344,000 | 5,020,000 | 7,504,000 | 9,605,000 |
| Noninterest income | 313,000 | 943,000 | 1,016,000 | 1,464,000 |
| Noninterest expense | 1,536,000 | 3,010,000 | 4,495,000 | 6,745,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,121,000 | 2,953,000 | 4,025,000 | 4,324,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,121,000 | 2,953,000 | 4,025,000 | 4,324,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,919,000 | 36,108,000 | 36,628,000 | 36,944,000 |