Call reports 2004
RAVALLI COUNTY BANK — 2004
What RAVALLI COUNTY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 140,929,000 | 143,242,000 | 145,350,000 | 152,273,000 |
| Total loans | 100,677,000 | 105,084,000 | 107,328,000 | 110,464,000 |
| Allowance for loan losses | 1,710,000 | 1,712,000 | 1,797,000 | 1,534,000 |
| Securities available for sale | 29,663,000 | 28,555,000 | 28,143,000 | 26,644,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 116,359,000 | 118,577,000 | 117,752,000 | 124,460,000 |
| Interest-bearing deposits | 93,201,000 | 90,444,000 | 91,380,000 | 95,743,000 |
| Noninterest-bearing deposits | 23,158,000 | 28,133,000 | 26,372,000 | 28,717,000 |
| Equity capital | 14,912,000 | 14,869,000 | 15,122,000 | 15,500,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,060,000 | 4,142,000 | 6,153,000 | 8,368,000 |
| Interest expense | 422,000 | 826,000 | 1,253,000 | 1,709,000 |
| Net interest income | 1,638,000 | 3,316,000 | 4,900,000 | 6,659,000 |
| Noninterest income | 179,000 | 370,000 | 569,000 | 765,000 |
| Noninterest expense | 1,010,000 | 2,032,000 | 3,023,000 | 4,113,000 |
| Provision for loan losses | 90,000 | 200,000 | 375,000 | 575,000 |
| Pretax income | 730,000 | 1,499,000 | 2,116,000 | 2,781,000 |
| Income tax | 257,000 | 527,000 | 741,000 | 971,000 |
| Net income | 473,000 | 972,000 | 1,375,000 | 1,810,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,582,000 | 15,082,000 | 14,990,000 | 15,426,000 |
| Total capital | 15,771,000 | 16,322,000 | 16,249,000 | 16,722,000 |
| Risk-weighted assets | 94,632,000 | 98,760,000 | 100,189,000 | 103,437,000 |