Call reports 2013
BANK OF RINGGOLD — 2013
What BANK OF RINGGOLD reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 68,843,000 | 67,740,000 | 67,245,000 | 64,043,000 |
| Total loans | 18,813,000 | 18,332,000 | 17,990,000 | 16,068,000 |
| Allowance for loan losses | 475,000 | 475,000 | 475,000 | 464,000 |
| Securities available for sale | 35,164,000 | 32,858,000 | 29,341,000 | 27,885,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,368,000 | 52,538,000 | 51,931,000 | 49,118,000 |
| Interest-bearing deposits | 35,557,000 | 35,208,000 | 34,791,000 | 33,876,000 |
| Noninterest-bearing deposits | 17,811,000 | 17,330,000 | 17,140,000 | 15,242,000 |
| Equity capital | 9,769,000 | 9,697,000 | 9,780,000 | 9,550,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 401,000 | 784,000 | 1,153,000 | 1,469,000 |
| Interest expense | 31,000 | 66,000 | 99,000 | 131,000 |
| Net interest income | 370,000 | 718,000 | 1,054,000 | 1,338,000 |
| Noninterest income | 77,000 | 155,000 | 261,000 | 343,000 |
| Noninterest expense | 390,000 | 772,000 | 1,142,000 | 1,704,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 57,000 | 101,000 | 173,000 | -23,000 |
| Income tax | 19,000 | 34,000 | 59,000 | -96,000 |
| Net income | 38,000 | 67,000 | 114,000 | 73,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,846,000 | 9,875,000 | 9,922,000 | 9,857,000 |
| Total capital | 10,149,000 | 10,169,000 | 10,212,000 | 10,135,000 |
| Risk-weighted assets | 24,066,000 | 23,378,000 | 23,030,000 | 22,084,000 |
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