Call reports 2013
RIPLEY FEDERAL SAVINGS BANK — 2013
What RIPLEY FEDERAL SAVINGS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 66,474,000 | 67,452,000 | 69,054,000 | 68,664,000 |
| Total loans | 50,175,000 | 50,718,000 | 50,772,000 | 50,018,000 |
| Allowance for loan losses | 1,002,000 | 996,000 | 997,000 | 979,000 |
| Securities available for sale | 36,000 | 311,000 | 50,000 | 114,000 |
| Securities held to maturity | 280,000 | 280,000 | 281,000 | 221,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,420,000 | 58,285,000 | 59,892,000 | 59,918,000 |
| Interest-bearing deposits | 55,517,000 | 56,905,000 | 58,258,000 | 58,068,000 |
| Noninterest-bearing deposits | 1,903,000 | 1,380,000 | 1,634,000 | 1,850,000 |
| Equity capital | 6,825,000 | 6,970,000 | 6,941,000 | 6,936,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 698,000 | 1,395,000 | 2,056,000 | 2,694,000 |
| Interest expense | 178,000 | 354,000 | 532,000 | 703,000 |
| Net interest income | 520,000 | 1,041,000 | 1,524,000 | 1,991,000 |
| Noninterest income | 74,000 | 135,000 | 199,000 | 263,000 |
| Noninterest expense | 568,000 | 1,119,000 | 1,707,000 | 2,300,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 26,000 | 57,000 | 16,000 | -46,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 26,000 | 57,000 | 16,000 | -46,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,413,000 | 7,452,000 | 7,415,000 | 7,354,000 |
| Total capital | 7,999,000 | 8,039,000 | 8,003,000 | 7,937,000 |
| Risk-weighted assets | 46,478,000 | 46,527,000 | 46,671,000 | 46,274,000 |
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