Call reports 2015
BANK OF RIPLEY — 2015
What BANK OF RIPLEY reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 206,924,000 | 201,211,000 | 198,836,000 | 203,444,000 |
| Total loans | 76,911,000 | 80,458,000 | 80,187,000 | 75,697,000 |
| Allowance for loan losses | 1,945,000 | 2,007,000 | 2,060,000 | 1,139,000 |
| Securities available for sale | 81,403,000 | 84,477,000 | 84,448,000 | 84,267,000 |
| Securities held to maturity | 16,910,000 | 16,924,000 | 16,938,000 | 15,957,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 173,769,000 | 168,806,000 | 163,607,000 | 169,916,000 |
| Interest-bearing deposits | 140,225,000 | 135,559,000 | 131,357,000 | 133,681,000 |
| Noninterest-bearing deposits | 33,544,000 | 33,247,000 | 32,250,000 | 36,235,000 |
| Equity capital | 31,122,000 | 30,224,000 | 30,991,000 | 31,410,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,880,000 | 3,826,000 | 5,805,000 | 7,743,000 |
| Interest expense | 186,000 | 378,000 | 568,000 | 752,000 |
| Net interest income | 1,694,000 | 3,448,000 | 5,237,000 | 6,991,000 |
| Noninterest income | 367,000 | 815,000 | 1,150,000 | 1,547,000 |
| Noninterest expense | 1,844,000 | 3,776,000 | 5,544,000 | 7,533,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 201,000 | 434,000 | 755,000 | 940,000 |
| Income tax | -2,000 | -11,000 | -14,000 | -105,000 |
| Net income | 203,000 | 445,000 | 769,000 | 1,045,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,857,000 | 29,111,000 | 28,825,000 | 28,749,000 |
| Total capital | 30,264,000 | 30,464,000 | 30,169,000 | 29,888,000 |
| Risk-weighted assets | 112,160,000 | 107,630,000 | 106,282,000 | 112,311,000 |