Call reports 2002
BANK OF RIPLEY — 2002
What BANK OF RIPLEY reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 156,005,000 | 153,114,000 | 158,740,000 | 161,540,000 |
| Total loans | 66,066,000 | 68,917,000 | 69,918,000 | 65,446,000 |
| Allowance for loan losses | 1,120,000 | 1,105,000 | 1,176,000 | 1,227,000 |
| Securities available for sale | 61,492,000 | 66,375,000 | 66,235,000 | 64,806,000 |
| Securities held to maturity | 1,574,000 | 1,522,000 | 1,521,000 | 1,520,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 125,424,000 | 120,767,000 | 124,681,000 | 127,741,000 |
| Interest-bearing deposits | 108,744,000 | 106,613,000 | 109,068,000 | 111,444,000 |
| Noninterest-bearing deposits | 16,680,000 | 14,154,000 | 15,613,000 | 16,297,000 |
| Equity capital | 20,350,000 | 21,863,000 | 23,215,000 | 23,091,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 2,460,000 | 4,981,000 | 7,490,000 | 9,906,000 |
| Interest expense | 939,000 | 1,767,000 | 2,588,000 | 3,409,000 |
| Net interest income | 1,521,000 | 3,214,000 | 4,902,000 | 6,497,000 |
| Noninterest income | 366,000 | 742,000 | 1,154,000 | 1,541,000 |
| Noninterest expense | 1,275,000 | 2,656,000 | 4,056,000 | 5,669,000 |
| Provision for loan losses | 59,000 | 119,000 | 179,000 | 240,000 |
| Pretax income | 568,000 | 1,206,000 | 1,852,000 | 2,163,000 |
| Income tax | 130,000 | 296,000 | 440,000 | 471,000 |
| Net income | 438,000 | 910,000 | 1,412,000 | 1,692,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,612,000 | 21,075,000 | 21,597,000 | 21,877,000 |
| Total capital | 21,620,000 | 22,071,000 | 22,633,000 | 22,862,000 |
| Risk-weighted assets | 80,542,000 | 79,575,000 | 80,795,000 | 78,498,000 |