Call reports 2021
RAMSEY NATIONAL BANK — 2021
What RAMSEY NATIONAL BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 317,152,000 | 317,883,000 | 319,669,000 | 319,780,000 |
| Total loans | 169,758,000 | 183,324,000 | 185,421,000 | 189,109,000 |
| Allowance for loan losses | 0 | 95,000 | 609,000 | 1,045,000 |
| Securities available for sale | 72,288,000 | 90,469,000 | 92,548,000 | 98,603,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 271,347,000 | 272,033,000 | 273,134,000 | 270,845,000 |
| Interest-bearing deposits | 201,697,000 | 201,766,000 | 203,623,000 | 199,732,000 |
| Noninterest-bearing deposits | 69,650,000 | 70,267,000 | 69,511,000 | 71,113,000 |
| Equity capital | 39,292,000 | 40,331,000 | 40,389,000 | 40,394,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 2,333,000 | 4,799,000 | 7,227,000 | 9,865,000 |
| Interest expense | 226,000 | 282,000 | 425,000 | 552,000 |
| Net interest income | 2,107,000 | 4,517,000 | 6,802,000 | 9,313,000 |
| Noninterest income | 289,000 | 586,000 | 906,000 | 1,428,000 |
| Noninterest expense | 1,269,000 | 2,774,000 | 4,388,000 | 5,577,000 |
| Provision for loan losses | 0 | 0 | 200,000 | 1,114,000 |
| Pretax income | 1,127,000 | 2,329,000 | 3,120,000 | 4,050,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,127,000 | 2,329,000 | 3,120,000 | 4,050,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,998,000 | 27,999,000 | 27,665,000 | 28,670,000 |