Call reports 2006
BANK OF RINGGOLD — 2006
What BANK OF RINGGOLD reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 39,179,000 | 38,242,000 | 37,569,000 | 36,953,000 |
| Total loans | 10,324,000 | 10,146,000 | 9,921,000 | 10,512,000 |
| Allowance for loan losses | 546,000 | 535,000 | 535,000 | 530,000 |
| Securities available for sale | 17,160,000 | 18,361,000 | 19,142,000 | 18,969,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,977,000 | 26,153,000 | 25,596,000 | 25,243,000 |
| Interest-bearing deposits | 19,907,000 | 19,511,000 | 19,357,000 | 18,640,000 |
| Noninterest-bearing deposits | 7,069,000 | 6,642,000 | 6,239,000 | 6,604,000 |
| Equity capital | 8,030,000 | 8,098,000 | 8,272,000 | 8,358,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 448,000 | 934,000 | 1,415,000 | 1,905,000 |
| Interest expense | 132,000 | 266,000 | 413,000 | 564,000 |
| Net interest income | 316,000 | 668,000 | 1,002,000 | 1,341,000 |
| Noninterest income | 64,000 | 118,000 | 171,000 | 229,000 |
| Noninterest expense | 278,000 | 559,000 | 856,000 | 1,185,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 102,000 | 227,000 | 317,000 | 385,000 |
| Income tax | 34,000 | 77,000 | 108,000 | 110,000 |
| Net income | 68,000 | 150,000 | 209,000 | 275,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,231,000 | 8,320,000 | 8,376,000 | 8,419,000 |
| Total capital | 8,401,000 | 8,490,000 | 8,545,000 | 8,588,000 |
| Risk-weighted assets | 13,208,000 | 13,246,000 | 13,126,000 | 13,194,000 |
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