Call reports 2009
BANK OF RINGGOLD — 2009
What BANK OF RINGGOLD reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 52,364,000 | 51,394,000 | 53,246,000 | 57,196,000 |
| Total loans | 11,064,000 | 11,444,000 | 12,225,000 | 12,502,000 |
| Allowance for loan losses | 593,000 | 594,000 | 595,000 | 591,000 |
| Securities available for sale | 23,565,000 | 22,575,000 | 24,811,000 | 22,191,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,974,000 | 36,721,000 | 37,748,000 | 41,866,000 |
| Interest-bearing deposits | 27,534,000 | 27,160,000 | 27,523,000 | 29,364,000 |
| Noninterest-bearing deposits | 10,440,000 | 9,561,000 | 10,225,000 | 12,503,000 |
| Equity capital | 9,294,000 | 9,332,000 | 9,378,000 | 9,246,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 493,000 | 964,000 | 1,431,000 | 1,875,000 |
| Interest expense | 114,000 | 208,000 | 295,000 | 372,000 |
| Net interest income | 379,000 | 756,000 | 1,136,000 | 1,503,000 |
| Noninterest income | 55,000 | 122,000 | 187,000 | 267,000 |
| Noninterest expense | 328,000 | 692,000 | 1,044,000 | 1,543,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 106,000 | 186,000 | 279,000 | 227,000 |
| Income tax | 36,000 | 63,000 | 95,000 | 7,000 |
| Net income | 70,000 | 123,000 | 184,000 | 220,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,151,000 | 9,205,000 | 9,265,000 | 9,278,000 |
| Total capital | 9,372,000 | 9,428,000 | 9,499,000 | 9,524,000 |
| Risk-weighted assets | 17,343,000 | 17,454,000 | 18,335,000 | 19,450,000 |
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