Call reports 2010
RAVALLI COUNTY BANK — 2010
What RAVALLI COUNTY BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 194,352,000 | 189,628,000 | 193,918,000 | 183,733,000 |
| Total loans | 133,797,000 | 132,145,000 | 128,529,000 | 122,724,000 |
| Allowance for loan losses | 3,768,000 | 3,553,000 | 3,466,000 | 3,229,000 |
| Securities available for sale | 23,352,000 | 22,540,000 | 25,364,000 | 25,566,000 |
| Securities held to maturity | 1,425,000 | 1,425,000 | 1,383,000 | 2,383,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 141,502,000 | 136,500,000 | 140,350,000 | 134,852,000 |
| Interest-bearing deposits | 114,292,000 | 109,446,000 | 113,224,000 | 108,472,000 |
| Noninterest-bearing deposits | 27,210,000 | 27,054,000 | 27,126,000 | 26,380,000 |
| Equity capital | 19,685,000 | 19,917,000 | 20,284,000 | 19,996,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,459,000 | 4,827,000 | 7,181,000 | 9,435,000 |
| Interest expense | 713,000 | 1,405,000 | 2,079,000 | 2,706,000 |
| Net interest income | 1,746,000 | 3,422,000 | 5,102,000 | 6,729,000 |
| Noninterest income | 231,000 | 404,000 | 652,000 | 778,000 |
| Noninterest expense | 1,335,000 | 2,763,000 | 4,114,000 | 5,607,000 |
| Provision for loan losses | 400,000 | 650,000 | 975,000 | 1,375,000 |
| Pretax income | 242,000 | 413,000 | 665,000 | 525,000 |
| Income tax | 64,000 | 66,000 | 120,000 | 14,000 |
| Net income | 178,000 | 347,000 | 545,000 | 511,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,401,000 | 19,572,000 | 19,769,000 | 19,736,000 |
| Total capital | 21,024,000 | 21,147,000 | 21,325,000 | 21,240,000 |
| Risk-weighted assets | 127,691,000 | 123,989,000 | 122,565,000 | 118,557,000 |