Call reports 2012
BANK OF RINGGOLD — 2012
What BANK OF RINGGOLD reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 71,749,000 | 71,067,000 | 72,501,000 | 66,920,000 |
| Total loans | 18,382,000 | 18,575,000 | 18,604,000 | 18,044,000 |
| Allowance for loan losses | 520,000 | 519,000 | 514,000 | 481,000 |
| Securities available for sale | 37,457,000 | 31,462,000 | 30,192,000 | 29,485,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,353,000 | 55,594,000 | 57,129,000 | 51,283,000 |
| Interest-bearing deposits | 34,773,000 | 34,599,000 | 34,403,000 | 34,496,000 |
| Noninterest-bearing deposits | 21,580,000 | 20,995,000 | 22,726,000 | 16,787,000 |
| Equity capital | 9,388,000 | 9,612,000 | 9,698,000 | 9,756,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 444,000 | 896,000 | 1,329,000 | 1,751,000 |
| Interest expense | 36,000 | 69,000 | 103,000 | 136,000 |
| Net interest income | 408,000 | 827,000 | 1,226,000 | 1,615,000 |
| Noninterest income | 76,000 | 151,000 | 242,000 | 316,000 |
| Noninterest expense | 382,000 | 775,000 | 1,157,000 | 1,541,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 102,000 | 203,000 | 311,000 | 390,000 |
| Income tax | 35,000 | 68,000 | 106,000 | 149,000 |
| Net income | 67,000 | 135,000 | 205,000 | 241,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,656,000 | 9,725,000 | 9,795,000 | 9,808,000 |
| Total capital | 9,974,000 | 10,042,000 | 10,107,000 | 10,112,000 |
| Risk-weighted assets | 25,212,000 | 25,124,000 | 24,725,000 | 24,124,000 |
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