Call reports 2002
RAVALLI COUNTY BANK — 2002
What RAVALLI COUNTY BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 121,659,000 | 130,007,000 | 129,831,000 | 131,241,000 |
| Total loans | 91,890,000 | 95,997,000 | 95,615,000 | 94,836,000 |
| Allowance for loan losses | 1,311,000 | 1,316,000 | 1,446,000 | 1,441,000 |
| Securities available for sale | 21,266,000 | 20,138,000 | 17,777,000 | 20,465,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 97,004,000 | 106,977,000 | 106,641,000 | 107,768,000 |
| Interest-bearing deposits | 78,899,000 | 87,933,000 | 83,669,000 | 84,737,000 |
| Noninterest-bearing deposits | 18,105,000 | 19,044,000 | 22,972,000 | 23,031,000 |
| Equity capital | 13,016,000 | 13,611,000 | 13,744,000 | 14,157,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 2,142,000 | 4,316,000 | 6,537,000 | 8,684,000 |
| Interest expense | 695,000 | 1,285,000 | 1,860,000 | 2,393,000 |
| Net interest income | 1,447,000 | 3,031,000 | 4,677,000 | 6,291,000 |
| Noninterest income | 170,000 | 335,000 | 498,000 | 664,000 |
| Noninterest expense | 912,000 | 1,858,000 | 2,793,000 | 3,848,000 |
| Provision for loan losses | 60,000 | 160,000 | 280,000 | 400,000 |
| Pretax income | 644,000 | 1,347,000 | 2,101,000 | 2,706,000 |
| Income tax | 236,000 | 493,000 | 774,000 | 1,003,000 |
| Net income | 408,000 | 854,000 | 1,327,000 | 1,703,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,068,000 | 13,516,000 | 13,578,000 | 13,955,000 |
| Total capital | 14,122,000 | 14,632,000 | 14,702,000 | 15,088,000 |
| Risk-weighted assets | 84,083,000 | 89,072,000 | 89,580,000 | 90,315,000 |