Call reports 2022
RAMSEY NATIONAL BANK — 2022
What RAMSEY NATIONAL BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 |
|---|---|---|
| Total assets | 332,011,000 | 319,992,000 |
| Total loans | 183,738,000 | 188,602,000 |
| Allowance for loan losses | 1,047,000 | 1,246,000 |
| Securities available for sale | 104,954,000 | 98,268,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 292,679,000 | 288,108,000 |
| Interest-bearing deposits | 217,857,000 | 211,192,000 |
| Noninterest-bearing deposits | 74,822,000 | 76,916,000 |
| Equity capital | 35,656,000 | 31,266,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 |
|---|---|---|
| Interest income | 2,303,000 | 4,836,000 |
| Interest expense | 71,000 | 114,000 |
| Net interest income | 2,232,000 | 4,722,000 |
| Noninterest income | 309,000 | 614,000 |
| Noninterest expense | 1,764,000 | 3,547,000 |
| Provision for loan losses | 0 | 200,000 |
| Pretax income | 777,000 | 1,589,000 |
| Income tax | 0 | 0 |
| Net income | 777,000 | 1,589,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 |
|---|---|---|
| Tier 1 capital | 29,121,000 | 29,633,000 |