Call reports 2005
RAVALLI COUNTY BANK — 2005
What RAVALLI COUNTY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 151,030,000 | 149,123,000 | 155,576,000 | 158,365,000 |
| Total loans | 112,145,000 | 112,564,000 | 111,169,000 | 117,081,000 |
| Allowance for loan losses | 1,576,000 | 1,653,000 | 1,742,000 | 1,752,000 |
| Securities available for sale | 28,499,000 | 24,902,000 | 24,036,000 | 25,183,000 |
| Securities held to maturity | 0 | 1,800,000 | 1,763,000 | 1,763,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 123,143,000 | 119,766,000 | 127,455,000 | 132,527,000 |
| Interest-bearing deposits | 96,227,000 | 89,564,000 | 96,180,000 | 103,674,000 |
| Noninterest-bearing deposits | 26,916,000 | 30,202,000 | 31,275,000 | 28,853,000 |
| Equity capital | 15,210,000 | 15,868,000 | 15,658,000 | 16,007,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,204,000 | 4,482,000 | 6,768,000 | 9,209,000 |
| Interest expense | 472,000 | 967,000 | 1,485,000 | 2,048,000 |
| Net interest income | 1,732,000 | 3,515,000 | 5,283,000 | 7,161,000 |
| Noninterest income | 172,000 | 363,000 | 574,000 | 765,000 |
| Noninterest expense | 1,008,000 | 2,010,000 | 3,055,000 | 4,207,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 600,000 |
| Pretax income | 746,000 | 1,572,000 | 2,356,000 | 3,123,000 |
| Income tax | 261,000 | 545,000 | 813,000 | 1,073,000 |
| Net income | 485,000 | 1,027,000 | 1,543,000 | 2,050,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,312,000 | 15,855,000 | 15,714,000 | 16,222,000 |
| Total capital | 16,635,000 | 17,179,000 | 17,055,000 | 17,641,000 |
| Risk-weighted assets | 105,582,000 | 105,578,000 | 106,878,000 | 113,201,000 |
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