Call reports 2003
RAVALLI COUNTY BANK — 2003
What RAVALLI COUNTY BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 130,490,000 | 135,300,000 | 141,438,000 | 142,593,000 |
| Total loans | 94,442,000 | 99,446,000 | 96,355,000 | 97,098,000 |
| Allowance for loan losses | 1,553,000 | 1,589,000 | 1,669,000 | 1,637,000 |
| Securities available for sale | 24,304,000 | 24,925,000 | 32,729,000 | 35,501,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 106,743,000 | 110,664,000 | 117,451,000 | 118,558,000 |
| Interest-bearing deposits | 87,015,000 | 87,071,000 | 92,975,000 | 93,957,000 |
| Noninterest-bearing deposits | 19,728,000 | 23,593,000 | 24,476,000 | 24,601,000 |
| Equity capital | 14,123,000 | 14,787,000 | 14,295,000 | 14,706,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,028,000 | 4,118,000 | 6,219,000 | 8,331,000 |
| Interest expense | 497,000 | 975,000 | 1,430,000 | 1,863,000 |
| Net interest income | 1,531,000 | 3,143,000 | 4,789,000 | 6,468,000 |
| Noninterest income | 159,000 | 339,000 | 550,000 | 737,000 |
| Noninterest expense | 963,000 | 1,898,000 | 2,913,000 | 4,015,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 360,000 |
| Pretax income | 623,000 | 1,390,000 | 2,142,000 | 2,816,000 |
| Income tax | 228,000 | 501,000 | 769,000 | 1,011,000 |
| Net income | 395,000 | 889,000 | 1,373,000 | 1,805,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,914,000 | 14,409,000 | 14,180,000 | 14,613,000 |
| Total capital | 15,029,000 | 15,567,000 | 15,328,000 | 15,784,000 |
| Risk-weighted assets | 88,722,000 | 92,226,000 | 91,314,000 | 93,187,000 |