Call reports 2009
RAVALLI COUNTY BANK — 2009
What RAVALLI COUNTY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 193,446,000 | 197,081,000 | 195,770,000 | 190,732,000 |
| Total loans | 148,673,000 | 144,641,000 | 137,297,000 | 137,202,000 |
| Allowance for loan losses | 2,292,000 | 4,355,000 | 4,197,000 | 3,680,000 |
| Securities available for sale | 24,218,000 | 23,220,000 | 23,894,000 | 25,253,000 |
| Securities held to maturity | 1,500,000 | 1,500,000 | 1,463,000 | 1,463,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 140,170,000 | 145,092,000 | 143,116,000 | 138,239,000 |
| Interest-bearing deposits | 112,889,000 | 116,360,000 | 113,205,000 | 108,240,000 |
| Noninterest-bearing deposits | 27,281,000 | 28,732,000 | 29,911,000 | 29,999,000 |
| Equity capital | 19,845,000 | 18,588,000 | 19,293,000 | 19,463,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,810,000 | 5,586,000 | 8,349,000 | 10,782,000 |
| Interest expense | 921,000 | 1,778,000 | 2,597,000 | 3,351,000 |
| Net interest income | 1,889,000 | 3,808,000 | 5,752,000 | 7,431,000 |
| Noninterest income | 288,000 | 513,000 | 769,000 | 692,000 |
| Noninterest expense | 1,229,000 | 2,608,000 | 3,911,000 | 5,192,000 |
| Provision for loan losses | 225,000 | 2,875,000 | 2,925,000 | 3,025,000 |
| Pretax income | 723,000 | -1,162,000 | -315,000 | -94,000 |
| Income tax | 243,000 | -431,000 | -133,000 | -128,000 |
| Net income | 480,000 | -731,000 | -182,000 | 34,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,665,000 | 18,455,000 | 19,005,000 | 19,222,000 |
| Total capital | 21,385,000 | 20,162,000 | 20,644,000 | 20,853,000 |
| Risk-weighted assets | 137,015,000 | 133,876,000 | 128,522,000 | 128,409,000 |