Call reports 2011
BANK OF RIPLEY — 2011
What BANK OF RIPLEY reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 198,006,000 | 192,390,000 | 191,941,000 | 202,204,000 |
| Total loans | 83,729,000 | 91,002,000 | 90,729,000 | 80,765,000 |
| Allowance for loan losses | 949,000 | 951,000 | 808,000 | 839,000 |
| Securities available for sale | 73,995,000 | 80,221,000 | 78,060,000 | 82,191,000 |
| Securities held to maturity | 60,000 | 58,000 | 56,000 | 54,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 168,945,000 | 161,914,000 | 159,734,000 | 169,762,000 |
| Interest-bearing deposits | 144,782,000 | 138,225,000 | 134,867,000 | 142,428,000 |
| Noninterest-bearing deposits | 24,163,000 | 23,689,000 | 24,867,000 | 27,334,000 |
| Equity capital | 27,827,000 | 29,205,000 | 30,692,000 | 31,003,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,194,000 | 4,493,000 | 6,856,000 | 9,105,000 |
| Interest expense | 502,000 | 932,000 | 1,327,000 | 1,703,000 |
| Net interest income | 1,692,000 | 3,561,000 | 5,529,000 | 7,402,000 |
| Noninterest income | 418,000 | 988,000 | 1,512,000 | 1,955,000 |
| Noninterest expense | 1,750,000 | 3,544,000 | 5,305,000 | 7,221,000 |
| Provision for loan losses | 60,000 | 120,000 | 230,000 | 290,000 |
| Pretax income | 286,000 | 898,000 | 1,525,000 | 1,865,000 |
| Income tax | 83,000 | 212,000 | 343,000 | 264,000 |
| Net income | 203,000 | 686,000 | 1,182,000 | 1,601,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,958,000 | 28,042,000 | 27,990,000 | 28,780,000 |
| Total capital | 27,907,000 | 28,993,000 | 28,798,000 | 29,619,000 |
| Risk-weighted assets | 124,430,000 | 114,235,000 | 115,659,000 | 122,442,000 |