Call reports 2015
BANK OF RINGGOLD — 2015
What BANK OF RINGGOLD reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 64,057,000 | 57,811,000 | 57,410,000 | 55,950,000 |
| Total loans | 15,177,000 | 14,804,000 | 14,986,000 | 15,561,000 |
| Allowance for loan losses | 467,000 | 467,000 | 460,000 | 458,000 |
| Securities available for sale | 24,592,000 | 24,289,000 | 20,586,000 | 15,392,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,094,000 | 47,658,000 | 47,380,000 | 46,090,000 |
| Interest-bearing deposits | 32,209,000 | 31,546,000 | 31,471,000 | 30,728,000 |
| Noninterest-bearing deposits | 16,885,000 | 16,112,000 | 15,909,000 | 15,362,000 |
| Equity capital | 9,801,000 | 9,665,000 | 9,559,000 | 9,258,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 350,000 | 692,000 | 1,025,000 | 1,351,000 |
| Interest expense | 25,000 | 51,000 | 76,000 | 100,000 |
| Net interest income | 325,000 | 641,000 | 949,000 | 1,251,000 |
| Noninterest income | 69,000 | 141,000 | 208,000 | 285,000 |
| Noninterest expense | 362,000 | 748,000 | 1,337,000 | 2,025,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 57,000 | 92,000 | -121,000 | -434,000 |
| Income tax | 19,000 | 31,000 | 0 | -167,000 |
| Net income | 38,000 | 61,000 | -121,000 | -267,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,887,000 | 9,910,000 | 9,728,000 | 9,559,000 |
| Total capital | 10,114,000 | 10,136,000 | 9,952,000 | 9,772,000 |
| Risk-weighted assets | 17,928,000 | 17,903,000 | 17,685,000 | 16,832,000 |
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