Call reports 2008
BANK OF RIPLEY — 2008
What BANK OF RIPLEY reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 175,900,000 | 168,697,000 | 166,279,000 | 170,841,000 |
| Total loans | 79,410,000 | 83,681,000 | 84,499,000 | 74,589,000 |
| Allowance for loan losses | 1,297,000 | 1,239,000 | 1,195,000 | 1,003,000 |
| Securities available for sale | 74,501,000 | 70,302,000 | 64,149,000 | 76,720,000 |
| Securities held to maturity | 180,000 | 178,000 | 77,000 | 75,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 146,498,000 | 141,152,000 | 139,723,000 | 143,585,000 |
| Interest-bearing deposits | 124,092,000 | 20,935,000 | 20,733,000 | 121,565,000 |
| Noninterest-bearing deposits | 22,406,000 | 120,217,000 | 118,990,000 | 22,020,000 |
| Equity capital | 27,400,000 | 26,167,000 | 25,200,000 | 25,902,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,629,000 | 5,235,000 | 7,793,000 | 10,032,000 |
| Interest expense | 1,013,000 | 1,904,000 | 2,730,000 | 3,510,000 |
| Net interest income | 1,616,000 | 3,331,000 | 5,063,000 | 6,522,000 |
| Noninterest income | 786,000 | 1,232,000 | 1,815,000 | 2,331,000 |
| Noninterest expense | 1,775,000 | 3,428,000 | 5,121,000 | 6,940,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 150,000 |
| Pretax income | 667,000 | 1,145,000 | 731,000 | 852,000 |
| Income tax | 107,000 | 239,000 | 374,000 | -27,000 |
| Net income | 560,000 | 906,000 | 357,000 | 879,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,321,000 | 26,666,000 | 26,108,000 | 26,640,000 |
| Total capital | 27,522,000 | 27,894,000 | 27,303,000 | 27,643,000 |
| Risk-weighted assets | 95,977,000 | 98,294,000 | 100,242,000 | 93,756,000 |