Call reports 2014
BANK OF RINGGOLD — 2014
What BANK OF RINGGOLD reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 66,051,000 | 65,283,000 | 64,377,000 | 63,989,000 |
| Total loans | 16,210,000 | 14,604,000 | 14,815,000 | 15,393,000 |
| Allowance for loan losses | 463,000 | 468,000 | 467,000 | 467,000 |
| Securities available for sale | 30,393,000 | 33,486,000 | 32,120,000 | 30,047,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,910,000 | 49,851,000 | 49,193,000 | 49,032,000 |
| Interest-bearing deposits | 33,888,000 | 33,259,000 | 33,679,000 | 32,802,000 |
| Noninterest-bearing deposits | 17,022,000 | 16,592,000 | 15,514,000 | 16,230,000 |
| Equity capital | 9,545,000 | 9,734,000 | 9,710,000 | 9,749,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 332,000 | 720,000 | 1,099,000 | 1,495,000 |
| Interest expense | 30,000 | 60,000 | 88,000 | 115,000 |
| Net interest income | 302,000 | 660,000 | 1,011,000 | 1,380,000 |
| Noninterest income | 77,000 | 345,000 | 413,000 | 485,000 |
| Noninterest expense | 377,000 | 766,000 | 1,151,000 | 1,682,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 2,000 | 239,000 | 273,000 | 183,000 |
| Income tax | 0 | 81,000 | 93,000 | 169,000 |
| Net income | 2,000 | 158,000 | 180,000 | 14,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,861,000 | 10,016,000 | 10,038,000 | 9,849,000 |
| Total capital | 10,150,000 | 10,285,000 | 10,311,000 | 10,107,000 |
| Risk-weighted assets | 22,981,000 | 21,305,000 | 21,611,000 | 20,408,000 |
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