Call reports 2011
RAVALLI COUNTY BANK — 2011
What RAVALLI COUNTY BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 185,326,000 | 178,843,000 | 186,970,000 | 186,845,000 |
| Total loans | 119,469,000 | 116,677,000 | 108,539,000 | 104,436,000 |
| Allowance for loan losses | 3,344,000 | 3,410,000 | 3,524,000 | 3,006,000 |
| Securities available for sale | 28,062,000 | 36,298,000 | 39,972,000 | 42,423,000 |
| Securities held to maturity | 2,340,000 | 1,340,000 | 1,298,000 | 2,297,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 136,162,000 | 129,411,000 | 137,445,000 | 138,194,000 |
| Interest-bearing deposits | 109,562,000 | 103,776,000 | 106,181,000 | 108,285,000 |
| Noninterest-bearing deposits | 26,600,000 | 25,635,000 | 31,264,000 | 29,909,000 |
| Equity capital | 20,179,000 | 20,461,000 | 20,426,000 | 19,801,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,161,000 | 4,288,000 | 6,336,000 | 8,232,000 |
| Interest expense | 542,000 | 1,075,000 | 1,601,000 | 2,084,000 |
| Net interest income | 1,619,000 | 3,213,000 | 4,735,000 | 6,148,000 |
| Noninterest income | 243,000 | 404,000 | 338,000 | 110,000 |
| Noninterest expense | 1,286,000 | 2,609,000 | 3,910,000 | 5,399,000 |
| Provision for loan losses | 400,000 | 760,000 | 1,375,000 | 2,225,000 |
| Pretax income | 176,000 | 287,000 | 32,000 | -1,122,000 |
| Income tax | 31,000 | 31,000 | -108,000 | -600,000 |
| Net income | 145,000 | 256,000 | 140,000 | -522,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,883,000 | 19,994,000 | 19,880,000 | 19,218,000 |
| Total capital | 21,347,000 | 21,463,000 | 21,321,000 | 20,608,000 |
| Risk-weighted assets | 115,247,000 | 115,546,000 | 113,186,000 | 109,549,000 |