Call reports 2010
BANK OF RINGGOLD — 2010
What BANK OF RINGGOLD reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 59,912,000 | 59,607,000 | 60,890,000 | 62,254,000 |
| Total loans | 13,222,000 | 14,293,000 | 14,975,000 | 15,432,000 |
| Allowance for loan losses | 593,000 | 588,000 | 575,000 | 580,000 |
| Securities available for sale | 23,005,000 | 29,748,000 | 26,152,000 | 30,429,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,505,000 | 43,955,000 | 45,384,000 | 47,168,000 |
| Interest-bearing deposits | 30,981,000 | 30,022,000 | 31,057,000 | 31,544,000 |
| Noninterest-bearing deposits | 13,524,000 | 13,933,000 | 14,327,000 | 15,624,000 |
| Equity capital | 9,216,000 | 9,335,000 | 9,379,000 | 9,217,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 412,000 | 869,000 | 1,331,000 | 1,786,000 |
| Interest expense | 68,000 | 133,000 | 195,000 | 256,000 |
| Net interest income | 344,000 | 736,000 | 1,136,000 | 1,530,000 |
| Noninterest income | 57,000 | 146,000 | 234,000 | 301,000 |
| Noninterest expense | 371,000 | 750,000 | 1,143,000 | 1,565,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 30,000 | 132,000 | 227,000 | 266,000 |
| Income tax | 10,000 | 45,000 | 77,000 | 85,000 |
| Net income | 20,000 | 87,000 | 150,000 | 181,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,299,000 | 9,365,000 | 9,429,000 | 9,438,000 |
| Total capital | 9,561,000 | 9,632,000 | 9,708,000 | 9,725,000 |
| Risk-weighted assets | 20,648,000 | 21,077,000 | 21,989,000 | 22,692,000 |
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