Call reports 2007
BANK OF RIPLEY — 2007
What BANK OF RIPLEY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 175,177,000 | 164,116,000 | 163,205,000 | 178,525,000 |
| Total loans | 73,755,000 | 82,602,000 | 83,034,000 | 80,031,000 |
| Allowance for loan losses | 1,182,000 | 1,205,000 | 1,230,000 | 1,256,000 |
| Securities available for sale | 67,916,000 | 66,864,000 | 67,324,000 | 85,083,000 |
| Securities held to maturity | 310,000 | 308,000 | 307,000 | 181,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 138,501,000 | 138,660,000 | 135,630,000 | 138,855,000 |
| Interest-bearing deposits | 115,766,000 | 117,523,000 | 115,260,000 | 116,491,000 |
| Noninterest-bearing deposits | 22,735,000 | 21,137,000 | 20,370,000 | 22,364,000 |
| Equity capital | 25,994,000 | 24,223,000 | 25,509,000 | 26,589,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,566,000 | 5,151,000 | 7,839,000 | 10,516,000 |
| Interest expense | 1,032,000 | 2,029,000 | 3,083,000 | 4,113,000 |
| Net interest income | 1,534,000 | 3,122,000 | 4,756,000 | 6,403,000 |
| Noninterest income | 473,000 | 831,000 | 1,562,000 | 2,271,000 |
| Noninterest expense | 1,582,000 | 3,542,000 | 5,131,000 | 6,860,000 |
| Provision for loan losses | 44,000 | 89,000 | 135,000 | 180,000 |
| Pretax income | 364,000 | -424,000 | 305,000 | 888,000 |
| Income tax | 77,000 | -154,000 | -31,000 | 65,000 |
| Net income | 287,000 | -270,000 | 336,000 | 823,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,600,000 | 25,042,000 | 25,648,000 | 26,135,000 |
| Total capital | 26,757,000 | 26,247,000 | 26,806,000 | 27,367,000 |
| Risk-weighted assets | 92,560,000 | 97,008,000 | 97,344,000 | 98,271,000 |