Call reports 2006
BANK OF RIPLEY — 2006
What BANK OF RIPLEY reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 160,856,000 | 159,445,000 | 163,186,000 | 174,921,000 |
| Total loans | 75,507,000 | 81,913,000 | 83,606,000 | 76,605,000 |
| Allowance for loan losses | 1,272,000 | 1,225,000 | 1,252,000 | 1,209,000 |
| Securities available for sale | 67,509,000 | 65,521,000 | 65,047,000 | 85,539,000 |
| Securities held to maturity | 315,000 | 313,000 | 312,000 | 311,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 126,477,000 | 119,403,000 | 127,470,000 | 133,792,000 |
| Interest-bearing deposits | 105,087,000 | 98,737,000 | 108,226,000 | 112,259,000 |
| Noninterest-bearing deposits | 21,390,000 | 20,666,000 | 19,244,000 | 21,533,000 |
| Equity capital | 24,257,000 | 24,205,000 | 25,404,000 | 25,648,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,269,000 | 4,699,000 | 7,203,000 | 9,746,000 |
| Interest expense | 804,000 | 1,696,000 | 2,704,000 | 3,731,000 |
| Net interest income | 1,465,000 | 3,003,000 | 4,499,000 | 6,015,000 |
| Noninterest income | 478,000 | 1,041,000 | 1,633,000 | 2,092,000 |
| Noninterest expense | 1,531,000 | 3,027,000 | 4,524,000 | 6,243,000 |
| Provision for loan losses | 59,000 | 119,000 | 180,000 | 240,000 |
| Pretax income | 326,000 | 877,000 | 1,407,000 | 1,601,000 |
| Income tax | 64,000 | 172,000 | 294,000 | 372,000 |
| Net income | 262,000 | 705,000 | 1,113,000 | 1,229,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,717,000 | 25,160,000 | 25,558,000 | 25,674,000 |
| Total capital | 25,851,000 | 26,349,000 | 26,777,000 | 26,861,000 |
| Risk-weighted assets | 90,583,000 | 95,159,000 | 97,522,000 | 95,211,000 |