Call reports 2012
BANK OF RIPLEY — 2012
What BANK OF RIPLEY reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 210,528,000 | 208,639,000 | 207,260,000 | 216,775,000 |
| Total loans | 83,204,000 | 87,860,000 | 83,125,000 | 77,881,000 |
| Allowance for loan losses | 871,000 | 900,000 | 904,000 | 778,000 |
| Securities available for sale | 85,649,000 | 87,226,000 | 87,833,000 | 89,606,000 |
| Securities held to maturity | 53,000 | 51,000 | 49,000 | 47,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 177,958,000 | 175,118,000 | 172,957,000 | 184,478,000 |
| Interest-bearing deposits | 149,865,000 | 147,488,000 | 146,986,000 | 150,768,000 |
| Noninterest-bearing deposits | 28,093,000 | 27,630,000 | 25,971,000 | 33,710,000 |
| Equity capital | 31,114,000 | 31,912,000 | 32,491,000 | 30,762,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,194,000 | 4,438,000 | 6,684,000 | 8,836,000 |
| Interest expense | 368,000 | 727,000 | 1,068,000 | 1,387,000 |
| Net interest income | 1,826,000 | 3,711,000 | 5,616,000 | 7,449,000 |
| Noninterest income | 462,000 | 933,000 | 1,408,000 | 1,693,000 |
| Noninterest expense | 1,739,000 | 3,536,000 | 5,336,000 | 7,336,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 630,000 | 1,149,000 | 1,640,000 | 1,712,000 |
| Income tax | 124,000 | 242,000 | 329,000 | 230,000 |
| Net income | 506,000 | 907,000 | 1,311,000 | 1,482,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,733,000 | 29,418,000 | 29,777,000 | 27,931,000 |
| Total capital | 29,604,000 | 30,318,000 | 30,681,000 | 28,709,000 |
| Risk-weighted assets | 128,202,000 | 125,614,000 | 124,379,000 | 129,310,000 |