Call reports 2014
BANK OF RIPLEY — 2014
What BANK OF RIPLEY reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 208,963,000 | 202,921,000 | 197,411,000 | 199,098,000 |
| Total loans | 75,598,000 | 79,517,000 | 81,647,000 | 74,828,000 |
| Allowance for loan losses | 1,776,000 | 1,828,000 | 1,857,000 | 1,877,000 |
| Securities available for sale | 78,763,000 | 84,521,000 | 80,041,000 | 78,037,000 |
| Securities held to maturity | 18,851,000 | 18,867,000 | 18,883,000 | 18,895,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 178,078,000 | 171,166,000 | 161,514,000 | 166,168,000 |
| Interest-bearing deposits | 144,384,000 | 138,731,000 | 131,895,000 | 132,564,000 |
| Noninterest-bearing deposits | 33,694,000 | 32,435,000 | 29,619,000 | 33,604,000 |
| Equity capital | 29,061,000 | 29,789,000 | 30,646,000 | 30,999,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,933,000 | 3,926,000 | 5,937,000 | 7,785,000 |
| Interest expense | 222,000 | 435,000 | 634,000 | 824,000 |
| Net interest income | 1,711,000 | 3,491,000 | 5,303,000 | 6,961,000 |
| Noninterest income | 406,000 | 840,000 | 1,192,000 | 1,582,000 |
| Noninterest expense | 1,847,000 | 3,779,000 | 5,676,000 | 7,688,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 316,000 | 535,000 | 995,000 | 997,000 |
| Income tax | 24,000 | 21,000 | -8,000 | -154,000 |
| Net income | 292,000 | 514,000 | 1,003,000 | 1,151,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,779,000 | 26,935,000 | 27,320,000 | 27,568,000 |
| Total capital | 28,269,000 | 28,332,000 | 28,689,000 | 28,925,000 |
| Risk-weighted assets | 118,925,000 | 111,336,000 | 109,005,000 | 108,059,000 |