Call reports 2014
RIPLEY FEDERAL SAVINGS BANK — 2014
What RIPLEY FEDERAL SAVINGS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 67,801,000 | 67,187,000 | 66,664,000 | 65,622,000 |
| Total loans | 48,374,000 | 48,181,000 | 48,401,000 | 46,183,000 |
| Allowance for loan losses | 950,000 | 897,000 | 897,000 | 897,000 |
| Securities available for sale | 152,000 | 152,000 | 106,000 | 83,000 |
| Securities held to maturity | 221,000 | 592,000 | 592,000 | 1,077,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,030,000 | 58,417,000 | 57,917,000 | 56,857,000 |
| Interest-bearing deposits | 57,538,000 | 56,517,000 | 56,154,000 | 55,097,000 |
| Noninterest-bearing deposits | 1,492,000 | 1,900,000 | 1,763,000 | 1,760,000 |
| Equity capital | 6,949,000 | 6,942,000 | 6,939,000 | 6,944,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 656,000 | 1,275,000 | 1,894,000 | 2,498,000 |
| Interest expense | 165,000 | 327,000 | 484,000 | 637,000 |
| Net interest income | 491,000 | 948,000 | 1,410,000 | 1,861,000 |
| Noninterest income | 18,000 | 71,000 | 117,000 | 168,000 |
| Noninterest expense | 535,000 | 1,033,000 | 1,526,000 | 2,023,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -26,000 | -14,000 | 1,000 | 6,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -26,000 | -14,000 | 1,000 | 6,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,329,000 | 7,342,000 | 7,359,000 | 7,365,000 |
| Total capital | 7,902,000 | 7,901,000 | 7,916,000 | 7,904,000 |
| Risk-weighted assets | 45,457,000 | 44,403,000 | 44,258,000 | 42,746,000 |
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