Call reports 2003
BANK OF RIPLEY — 2003
What BANK OF RIPLEY reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 165,498,000 | 158,014,000 | 160,663,000 | 160,688,000 |
| Total loans | 65,846,000 | 72,382,000 | 73,413,000 | 65,709,000 |
| Allowance for loan losses | 1,220,000 | 1,268,000 | 1,149,000 | 1,213,000 |
| Securities available for sale | 66,061,000 | 65,804,000 | 63,762,000 | 67,466,000 |
| Securities held to maturity | 1,367,000 | 1,315,000 | 1,168,000 | 1,067,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 131,738,000 | 122,722,000 | 126,855,000 | 126,990,000 |
| Interest-bearing deposits | 113,291,000 | 106,619,000 | 110,485,000 | 107,958,000 |
| Noninterest-bearing deposits | 18,447,000 | 16,103,000 | 16,370,000 | 19,032,000 |
| Equity capital | 23,275,000 | 24,475,000 | 23,585,000 | 23,454,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,233,000 | 4,446,000 | 6,694,000 | 8,771,000 |
| Interest expense | 774,000 | 1,508,000 | 2,153,000 | 2,735,000 |
| Net interest income | 1,459,000 | 2,938,000 | 4,541,000 | 6,036,000 |
| Noninterest income | 386,000 | 875,000 | 1,339,000 | 1,863,000 |
| Noninterest expense | 1,331,000 | 2,848,000 | 4,324,000 | 6,071,000 |
| Provision for loan losses | 59,000 | 119,000 | 179,000 | 279,000 |
| Pretax income | 459,000 | 935,000 | 1,466,000 | 1,650,000 |
| Income tax | 42,000 | 121,000 | 292,000 | 355,000 |
| Net income | 417,000 | 814,000 | 1,174,000 | 1,295,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,992,000 | 22,390,000 | 22,748,000 | 22,870,000 |
| Total capital | 23,033,000 | 23,466,000 | 23,785,000 | 23,901,000 |
| Risk-weighted assets | 83,167,000 | 85,714,000 | 82,884,000 | 82,285,000 |