Call reports 2001
BANK OF RIPLEY — 2001
What BANK OF RIPLEY reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 149,942,000 | 150,394,000 | 156,483,000 | 158,771,000 |
| Total loans | 75,901,000 | 79,119,000 | 76,215,000 | 66,297,000 |
| Allowance for loan losses | 914,000 | 856,000 | 895,000 | 1,080,000 |
| Securities available for sale | 53,050,000 | 52,804,000 | 55,573,000 | 62,777,000 |
| Securities held to maturity | 2,835,000 | 2,436,000 | 2,285,000 | 1,680,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 118,572,000 | 118,854,000 | 124,120,000 | 127,371,000 |
| Interest-bearing deposits | 102,011,000 | 105,014,000 | 108,088,000 | 110,119,000 |
| Noninterest-bearing deposits | 16,561,000 | 13,840,000 | 16,032,000 | 17,252,000 |
| Equity capital | 20,091,000 | 20,368,000 | 21,087,000 | 20,630,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 2,887,000 | 5,752,000 | 8,566,000 | 11,217,000 |
| Interest expense | 1,394,000 | 2,796,000 | 4,118,000 | 5,268,000 |
| Net interest income | 1,493,000 | 2,956,000 | 4,448,000 | 5,949,000 |
| Noninterest income | 373,000 | 846,000 | 1,209,000 | 1,508,000 |
| Noninterest expense | 1,290,000 | 2,559,000 | 3,841,000 | 5,366,000 |
| Provision for loan losses | 45,000 | 95,000 | 154,000 | 545,000 |
| Pretax income | 531,000 | 1,163,000 | 1,705,000 | 1,594,000 |
| Income tax | 129,000 | 373,000 | 501,000 | 335,000 |
| Net income | 543,000 | 931,000 | 1,345,000 | 1,400,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,624,000 | 20,012,000 | 20,426,000 | 20,481,000 |
| Total capital | 20,538,000 | 20,868,000 | 21,324,000 | 21,466,000 |
| Risk-weighted assets | 90,967,000 | 96,246,000 | 97,400,000 | 78,198,000 |