Call reports 2008
RAVALLI COUNTY BANK — 2008
What RAVALLI COUNTY BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 185,292,000 | 191,578,000 | 203,581,000 | 191,079,000 |
| Total loans | 151,436,000 | 150,632,000 | 147,951,000 | 148,562,000 |
| Allowance for loan losses | 2,364,000 | 2,260,000 | 2,348,000 | 2,295,000 |
| Securities available for sale | 12,909,000 | 15,014,000 | 18,283,000 | 22,913,000 |
| Securities held to maturity | 1,575,000 | 1,575,000 | 1,538,000 | 1,538,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 133,043,000 | 139,240,000 | 151,224,000 | 138,238,000 |
| Interest-bearing deposits | 103,644,000 | 110,208,000 | 118,033,000 | 110,716,000 |
| Noninterest-bearing deposits | 29,399,000 | 29,032,000 | 33,191,000 | 27,522,000 |
| Equity capital | 18,794,000 | 19,252,000 | 19,103,000 | 19,695,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,191,000 | 6,246,000 | 9,283,000 | 12,124,000 |
| Interest expense | 1,148,000 | 2,208,000 | 3,234,000 | 4,214,000 |
| Net interest income | 2,043,000 | 4,038,000 | 6,049,000 | 7,910,000 |
| Noninterest income | 269,000 | 553,000 | 845,000 | 1,117,000 |
| Noninterest expense | 1,224,000 | 2,424,000 | 3,673,000 | 4,916,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 650,000 |
| Pretax income | 935,000 | 1,864,000 | 2,768,000 | 3,458,000 |
| Income tax | 335,000 | 654,000 | 970,000 | 1,198,000 |
| Net income | 600,000 | 1,210,000 | 1,798,000 | 2,260,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,711,000 | 19,321,000 | 19,211,000 | 19,674,000 |
| Total capital | 20,472,000 | 21,082,000 | 20,975,000 | 21,396,000 |
| Risk-weighted assets | 140,269,000 | 140,354,000 | 140,500,000 | 137,183,000 |
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