Call reports 2016
RIPLEY FEDERAL SAVINGS BANK — 2016
What RIPLEY FEDERAL SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 67,092,000 | 67,138,000 | 67,728,000 | 67,279,000 |
| Total loans | 52,938,000 | 52,779,000 | 53,095,000 | 52,192,000 |
| Allowance for loan losses | 830,000 | 835,000 | 912,000 | 915,000 |
| Securities available for sale | 249,000 | 1,000 | 4,000 | 5,000 |
| Securities held to maturity | 559,000 | 559,000 | 559,000 | 549,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,134,000 | 56,400,000 | 56,816,000 | 56,756,000 |
| Interest-bearing deposits | 54,743,000 | 54,177,000 | 53,657,000 | 53,588,000 |
| Noninterest-bearing deposits | 2,391,000 | 2,223,000 | 3,159,000 | 3,168,000 |
| Equity capital | 6,857,000 | 6,876,000 | 6,291,000 | 6,377,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 628,000 | 1,266,000 | 1,878,000 | 2,535,000 |
| Interest expense | 139,000 | 275,000 | 409,000 | 540,000 |
| Net interest income | 489,000 | 991,000 | 1,469,000 | 1,995,000 |
| Noninterest income | 23,000 | 37,000 | 58,000 | 117,000 |
| Noninterest expense | 528,000 | 1,059,000 | 1,588,000 | 2,096,000 |
| Provision for loan losses | 0 | 0 | 571,000 | 577,000 |
| Pretax income | -16,000 | -31,000 | -632,000 | -561,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -16,000 | -31,000 | -632,000 | -561,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,329,000 | 7,314,000 | 6,713,000 | 6,784,000 |
| Total capital | 7,942,000 | 7,928,000 | 7,315,000 | 7,387,000 |
| Risk-weighted assets | 48,902,000 | 48,924,000 | 47,918,000 | 47,930,000 |