Call reports 2017
RIPLEY FEDERAL SAVINGS BANK — 2017
What RIPLEY FEDERAL SAVINGS BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 |
|---|---|---|---|
| Total assets | 66,691,000 | 67,253,000 | 65,406,000 |
| Total loans | 51,690,000 | 51,829,000 | 51,114,000 |
| Allowance for loan losses | 921,000 | 941,000 | 948,000 |
| Securities available for sale | 13,000 | 14,000 | 67,000 |
| Securities held to maturity | 550,000 | 550,000 | 550,000 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 56,085,000 | 55,376,000 | 53,929,000 |
| Interest-bearing deposits | 52,857,000 | 52,748,000 | 51,393,000 |
| Noninterest-bearing deposits | 3,228,000 | 2,628,000 | 2,536,000 |
| Equity capital | 6,470,000 | 6,548,000 | 6,621,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 |
|---|---|---|---|
| Interest income | 631,000 | 1,247,000 | 1,880,000 |
| Interest expense | 126,000 | 252,000 | 379,000 |
| Net interest income | 505,000 | 995,000 | 1,501,000 |
| Noninterest income | 51,000 | 101,000 | 149,000 |
| Noninterest expense | 479,000 | 953,000 | 1,429,000 |
| Provision for loan losses | 0 | 43,000 | 44,000 |
| Pretax income | 77,000 | 100,000 | 177,000 |
| Income tax | 0 | 0 | 0 |
| Net income | 77,000 | 100,000 | 177,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 |
|---|---|---|---|
| Tier 1 capital | 6,861,000 | 6,883,000 | 6,960,000 |
| Total capital | 7,456,000 | 7,487,000 | 7,542,000 |
| Risk-weighted assets | 47,338,000 | 48,035,000 | 46,260,000 |