Call reports 2009
BANK OF RIPLEY — 2009
What BANK OF RIPLEY reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 179,296,000 | 174,556,000 | 174,746,000 | 169,706,000 |
| Total loans | 76,370,000 | 83,612,000 | 87,161,000 | 80,110,000 |
| Allowance for loan losses | 1,037,000 | 855,000 | 890,000 | 850,000 |
| Securities available for sale | 79,707,000 | 74,551,000 | 71,414,000 | 66,286,000 |
| Securities held to maturity | 73,000 | 72,000 | 70,000 | 68,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 151,536,000 | 146,345,000 | 142,463,000 | 141,179,000 |
| Interest-bearing deposits | 131,414,000 | 124,899,000 | 122,797,000 | 117,881,000 |
| Noninterest-bearing deposits | 20,122,000 | 21,446,000 | 19,666,000 | 23,298,000 |
| Equity capital | 26,649,000 | 26,119,000 | 27,376,000 | 27,365,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,292,000 | 4,523,000 | 6,874,000 | 9,074,000 |
| Interest expense | 733,000 | 1,410,000 | 2,010,000 | 2,541,000 |
| Net interest income | 1,559,000 | 3,113,000 | 4,864,000 | 6,533,000 |
| Noninterest income | 463,000 | 690,000 | 1,231,000 | 1,808,000 |
| Noninterest expense | 1,815,000 | 3,568,000 | 5,232,000 | 7,121,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 200,000 | 168,000 | 541,000 | 914,000 |
| Income tax | 7,000 | 13,000 | 88,000 | 72,000 |
| Net income | 193,000 | 155,000 | 453,000 | 842,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,446,000 | 26,401,000 | 26,707,000 | 27,091,000 |
| Total capital | 27,483,000 | 27,256,000 | 27,597,000 | 27,941,000 |
| Risk-weighted assets | 100,354,000 | 99,795,000 | 100,944,000 | 102,991,000 |