Call reports 2011
BANK OF RINGGOLD — 2011
What BANK OF RINGGOLD reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 66,589,000 | 64,340,000 | 65,821,000 | 68,915,000 |
| Total loans | 15,501,000 | 15,952,000 | 16,240,000 | 16,629,000 |
| Allowance for loan losses | 559,000 | 507,000 | 515,000 | 521,000 |
| Securities available for sale | 33,168,000 | 29,496,000 | 31,451,000 | 30,665,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,664,000 | 49,236,000 | 50,364,000 | 53,750,000 |
| Interest-bearing deposits | 32,286,000 | 30,739,000 | 31,922,000 | 34,103,000 |
| Noninterest-bearing deposits | 19,378,000 | 18,497,000 | 18,442,000 | 19,647,000 |
| Equity capital | 9,241,000 | 9,431,000 | 9,450,000 | 9,372,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 423,000 | 850,000 | 1,281,000 | 1,702,000 |
| Interest expense | 54,000 | 96,000 | 138,000 | 177,000 |
| Net interest income | 369,000 | 754,000 | 1,143,000 | 1,525,000 |
| Noninterest income | 71,000 | 144,000 | 218,000 | 287,000 |
| Noninterest expense | 369,000 | 741,000 | 1,121,000 | 1,585,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 71,000 | 157,000 | 240,000 | 227,000 |
| Income tax | 23,000 | 53,000 | 82,000 | 32,000 |
| Net income | 48,000 | 104,000 | 158,000 | 195,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,460,000 | 9,520,000 | 9,574,000 | 9,589,000 |
| Total capital | 9,751,000 | 9,807,000 | 9,864,000 | 9,886,000 |
| Risk-weighted assets | 23,043,000 | 22,719,000 | 22,948,000 | 23,545,000 |
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