Call reports 2004
BANK OF RIPLEY — 2004
What BANK OF RIPLEY reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 165,125,000 | 162,497,000 | 164,992,000 | 164,464,000 |
| Total loans | 67,245,000 | 73,392,000 | 73,277,000 | 67,795,000 |
| Allowance for loan losses | 1,260,000 | 1,303,000 | 1,212,000 | 1,195,000 |
| Securities available for sale | 73,420,000 | 74,214,000 | 64,330,000 | 68,817,000 |
| Securities held to maturity | 970,000 | 654,000 | 653,000 | 521,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 130,523,000 | 124,649,000 | 125,269,000 | 124,831,000 |
| Interest-bearing deposits | 109,670,000 | 106,076,000 | 105,775,000 | 102,870,000 |
| Noninterest-bearing deposits | 20,853,000 | 18,573,000 | 19,494,000 | 21,961,000 |
| Equity capital | 24,152,000 | 23,020,000 | 24,451,000 | 24,308,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,061,000 | 4,181,000 | 6,287,000 | 8,363,000 |
| Interest expense | 544,000 | 1,088,000 | 1,673,000 | 2,297,000 |
| Net interest income | 1,517,000 | 3,093,000 | 4,614,000 | 6,066,000 |
| Noninterest income | 509,000 | 1,083,000 | 1,654,000 | 2,177,000 |
| Noninterest expense | 1,479,000 | 3,003,000 | 4,542,000 | 6,184,000 |
| Provision for loan losses | 60,000 | 119,000 | 180,000 | 240,000 |
| Pretax income | 494,000 | 998,000 | 1,553,000 | 1,825,000 |
| Income tax | 113,000 | 230,000 | 365,000 | 495,000 |
| Net income | 381,000 | 768,000 | 1,188,000 | 1,330,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,937,000 | 23,325,000 | 23,744,000 | 23,887,000 |
| Total capital | 24,126,000 | 24,432,000 | 24,859,000 | 24,946,000 |
| Risk-weighted assets | 94,283,000 | 87,598,000 | 88,295,000 | 84,555,000 |