Call reports 2006
RAVALLI COUNTY BANK — 2006
What RAVALLI COUNTY BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 159,081,000 | 164,633,000 | 163,544,000 | 166,574,000 |
| Total loans | 122,630,000 | 127,740,000 | 128,030,000 | 132,256,000 |
| Allowance for loan losses | 1,950,000 | 2,093,000 | 2,084,000 | 2,011,000 |
| Securities available for sale | 24,561,000 | 23,074,000 | 22,676,000 | 20,619,000 |
| Securities held to maturity | 1,725,000 | 1,725,000 | 1,688,000 | 1,688,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 122,995,000 | 125,899,000 | 121,677,000 | 124,849,000 |
| Interest-bearing deposits | 91,058,000 | 91,172,000 | 89,114,000 | 90,746,000 |
| Noninterest-bearing deposits | 31,937,000 | 34,727,000 | 32,563,000 | 34,103,000 |
| Equity capital | 15,915,000 | 16,391,000 | 16,623,000 | 17,184,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,291,000 | 4,970,000 | 7,739,000 | 10,587,000 |
| Interest expense | 648,000 | 1,396,000 | 2,219,000 | 3,090,000 |
| Net interest income | 1,643,000 | 3,574,000 | 5,520,000 | 7,497,000 |
| Noninterest income | 307,000 | 559,000 | 800,000 | 979,000 |
| Noninterest expense | 1,164,000 | 2,279,000 | 3,438,000 | 4,697,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 550,000 |
| Pretax income | 636,000 | 1,554,000 | 2,432,000 | 3,229,000 |
| Income tax | 221,000 | 543,000 | 848,000 | 1,121,000 |
| Net income | 415,000 | 1,011,000 | 1,584,000 | 2,108,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,139,000 | 16,736,000 | 16,809,000 | 17,335,000 |
| Total capital | 17,614,000 | 18,315,000 | 18,403,000 | 18,989,000 |
| Risk-weighted assets | 117,554,000 | 125,835,000 | 127,056,000 | 131,973,000 |