Call reports 2012
RIPLEY FEDERAL SAVINGS BANK — 2012
What RIPLEY FEDERAL SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 71,535,000 | 67,534,000 | 66,500,000 | 66,652,000 |
| Total loans | 49,911,000 | 49,307,000 | 50,610,000 | 51,453,000 |
| Allowance for loan losses | 1,272,000 | 1,211,000 | 1,213,000 | 1,038,000 |
| Securities available for sale | 13,000 | 72,000 | 17,000 | 18,000 |
| Securities held to maturity | 459,000 | 459,000 | 459,000 | 279,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,762,000 | 58,671,000 | 57,595,000 | 57,634,000 |
| Interest-bearing deposits | 59,496,000 | 57,321,000 | 56,183,000 | 55,934,000 |
| Noninterest-bearing deposits | 2,266,000 | 1,350,000 | 1,412,000 | 1,700,000 |
| Equity capital | 6,798,000 | 6,663,000 | 6,704,000 | 6,768,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 799,000 | 1,579,000 | 2,332,000 | 3,104,000 |
| Interest expense | 238,000 | 465,000 | 685,000 | 886,000 |
| Net interest income | 561,000 | 1,114,000 | 1,647,000 | 2,218,000 |
| Noninterest income | 81,000 | 151,000 | 219,000 | 288,000 |
| Noninterest expense | 568,000 | 1,134,000 | 1,709,000 | 2,300,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 74,000 | 131,000 | 157,000 | 206,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 74,000 | 131,000 | 157,000 | 206,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,231,000 | 7,287,000 | 7,318,000 | 7,370,000 |
| Total capital | 7,844,000 | 7,884,000 | 7,925,000 | 7,971,000 |
| Risk-weighted assets | 48,718,000 | 47,186,000 | 47,923,000 | 47,650,000 |