Call reports 2010
BANK OF RIPLEY — 2010
What BANK OF RIPLEY reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 179,324,000 | 179,154,000 | 174,745,000 | 179,975,000 |
| Total loans | 80,187,000 | 85,707,000 | 87,426,000 | 81,917,000 |
| Allowance for loan losses | 793,000 | 858,000 | 870,000 | 898,000 |
| Securities available for sale | 66,190,000 | 71,371,000 | 70,138,000 | 70,596,000 |
| Securities held to maturity | 67,000 | 65,000 | 63,000 | 61,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 150,948,000 | 150,071,000 | 144,704,000 | 151,036,000 |
| Interest-bearing deposits | 126,555,000 | 126,082,000 | 121,812,000 | 126,142,000 |
| Noninterest-bearing deposits | 24,393,000 | 23,989,000 | 22,892,000 | 24,894,000 |
| Equity capital | 27,341,000 | 28,007,000 | 28,805,000 | 27,680,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,165,000 | 4,396,000 | 6,662,000 | 8,841,000 |
| Interest expense | 507,000 | 1,022,000 | 1,536,000 | 2,044,000 |
| Net interest income | 1,658,000 | 3,374,000 | 5,126,000 | 6,797,000 |
| Noninterest income | 209,000 | 680,000 | 1,260,000 | 1,794,000 |
| Noninterest expense | 1,704,000 | 3,405,000 | 5,143,000 | 6,933,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 83,000 | 563,000 | 1,003,000 | 1,195,000 |
| Income tax | 46,000 | 103,000 | 285,000 | 67,000 |
| Net income | 37,000 | 460,000 | 718,000 | 1,128,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,117,000 | 26,661,000 | 27,047,000 | 27,137,000 |
| Total capital | 26,910,000 | 27,519,000 | 27,917,000 | 28,035,000 |
| Risk-weighted assets | 111,207,000 | 109,024,000 | 105,811,000 | 110,167,000 |
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