Call reports 2007
RAVALLI COUNTY BANK — 2007
What RAVALLI COUNTY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 168,231,000 | 179,450,000 | 180,727,000 | 181,242,000 |
| Total loans | 136,022,000 | 144,963,000 | 149,263,000 | 151,252,000 |
| Allowance for loan losses | 2,090,000 | 2,220,000 | 2,269,000 | 2,300,000 |
| Securities available for sale | 19,773,000 | 18,740,000 | 18,304,000 | 17,781,000 |
| Securities held to maturity | 1,650,000 | 1,650,000 | 1,613,000 | 1,613,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 121,407,000 | 135,997,000 | 134,493,000 | 129,727,000 |
| Interest-bearing deposits | 89,975,000 | 101,386,000 | 102,573,000 | 100,970,000 |
| Noninterest-bearing deposits | 31,432,000 | 34,611,000 | 31,920,000 | 28,757,000 |
| Equity capital | 17,230,000 | 17,763,000 | 17,965,000 | 18,643,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,839,000 | 5,850,000 | 9,079,000 | 12,363,000 |
| Interest expense | 936,000 | 1,990,000 | 3,175,000 | 4,329,000 |
| Net interest income | 1,903,000 | 3,860,000 | 5,904,000 | 8,034,000 |
| Noninterest income | 215,000 | 430,000 | 670,000 | 890,000 |
| Noninterest expense | 1,138,000 | 2,261,000 | 3,434,000 | 4,677,000 |
| Provision for loan losses | 135,000 | 270,000 | 405,000 | 550,000 |
| Pretax income | 846,000 | 1,760,000 | 2,736,000 | 3,698,000 |
| Income tax | 300,000 | 630,000 | 981,000 | 1,327,000 |
| Net income | 546,000 | 1,130,000 | 1,755,000 | 2,371,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,354,000 | 17,938,000 | 18,031,000 | 18,649,000 |
| Total capital | 18,989,000 | 19,656,000 | 19,798,000 | 20,442,000 |
| Risk-weighted assets | 130,312,000 | 136,907,000 | 140,840,000 | 142,949,000 |