Call reports 2015
RIPLEY FEDERAL SAVINGS BANK — 2015
What RIPLEY FEDERAL SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 66,132,000 | 66,666,000 | 66,333,000 | 67,036,000 |
| Total loans | 45,287,000 | 49,760,000 | 51,967,000 | 52,677,000 |
| Allowance for loan losses | 852,000 | 816,000 | 827,000 | 827,000 |
| Securities available for sale | 94,000 | 6,000 | 16,000 | 16,000 |
| Securities held to maturity | 1,078,000 | 1,078,000 | 1,078,000 | 558,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,385,000 | 57,922,000 | 56,602,000 | 57,302,000 |
| Interest-bearing deposits | 55,485,000 | 55,408,000 | 54,746,000 | 55,317,000 |
| Noninterest-bearing deposits | 1,900,000 | 2,514,000 | 1,856,000 | 1,985,000 |
| Equity capital | 6,950,000 | 6,875,000 | 6,867,000 | 6,856,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 582,000 | 1,153,000 | 1,746,000 | 2,371,000 |
| Interest expense | 147,000 | 294,000 | 440,000 | 585,000 |
| Net interest income | 435,000 | 859,000 | 1,306,000 | 1,786,000 |
| Noninterest income | 52,000 | 107,000 | 171,000 | 218,000 |
| Noninterest expense | 501,000 | 1,004,000 | 1,529,000 | 2,084,000 |
| Provision for loan losses | 0 | 0 | 10,000 | 10,000 |
| Pretax income | -14,000 | 24,000 | 0 | -28,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -14,000 | 24,000 | 0 | -28,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,359,000 | 7,397,000 | 7,373,000 | 7,345,000 |
| Total capital | 7,927,000 | 7,993,000 | 7,989,000 | 7,966,000 |
| Risk-weighted assets | 43,325,000 | 47,479,000 | 49,107,000 | 49,547,000 |