Call reports 2005
BANK OF RIPLEY — 2005
What BANK OF RIPLEY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 163,918,000 | 158,176,000 | 160,076,000 | 172,260,000 |
| Total loans | 67,051,000 | 72,528,000 | 76,818,000 | 71,339,000 |
| Allowance for loan losses | 1,201,000 | 1,194,000 | 1,207,000 | 1,211,000 |
| Securities available for sale | 71,720,000 | 71,840,000 | 69,176,000 | 67,919,000 |
| Securities held to maturity | 520,000 | 518,000 | 317,000 | 316,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 130,320,000 | 123,362,000 | 125,072,000 | 137,614,000 |
| Interest-bearing deposits | 107,165,000 | 101,920,000 | 103,619,000 | 116,411,000 |
| Noninterest-bearing deposits | 23,155,000 | 21,442,000 | 21,453,000 | 21,203,000 |
| Equity capital | 23,663,000 | 24,640,000 | 24,818,000 | 24,422,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,068,000 | 4,195,000 | 6,389,000 | 8,663,000 |
| Interest expense | 623,000 | 1,275,000 | 1,989,000 | 2,755,000 |
| Net interest income | 1,445,000 | 2,920,000 | 4,400,000 | 5,908,000 |
| Noninterest income | 479,000 | 1,064,000 | 1,645,000 | 2,176,000 |
| Noninterest expense | 1,440,000 | 2,920,000 | 4,515,000 | 6,209,000 |
| Provision for loan losses | 59,000 | 119,000 | 180,000 | 240,000 |
| Pretax income | 413,000 | 933,000 | 1,353,000 | 1,638,000 |
| Income tax | 137,000 | 221,000 | 332,000 | 408,000 |
| Net income | 276,000 | 712,000 | 1,021,000 | 1,230,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,837,000 | 24,273,000 | 24,582,000 | 24,791,000 |
| Total capital | 24,899,000 | 25,373,000 | 25,674,000 | 25,935,000 |
| Risk-weighted assets | 84,757,000 | 87,935,000 | 91,491,000 | 91,450,000 |