Call reports 2016
BANK OF RIPLEY — 2016
What BANK OF RIPLEY reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 212,764,000 | 210,989,000 | 206,191,000 | 211,683,000 |
| Total loans | 76,748,000 | 79,006,000 | 77,183,000 | 73,108,000 |
| Allowance for loan losses | 1,140,000 | 1,123,000 | 1,050,000 | 1,037,000 |
| Securities available for sale | 89,053,000 | 97,022,000 | 104,298,000 | 104,293,000 |
| Securities held to maturity | 13,989,000 | 6,664,000 | 451,000 | 452,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 179,028,000 | 176,102,000 | 170,906,000 | 179,006,000 |
| Interest-bearing deposits | 142,678,000 | 140,352,000 | 135,679,000 | 141,807,000 |
| Noninterest-bearing deposits | 36,350,000 | 35,750,000 | 35,227,000 | 37,199,000 |
| Equity capital | 31,638,000 | 32,651,000 | 32,953,000 | 30,407,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,926,000 | 3,910,000 | 5,848,000 | 7,789,000 |
| Interest expense | 187,000 | 377,000 | 561,000 | 743,000 |
| Net interest income | 1,739,000 | 3,533,000 | 5,287,000 | 7,046,000 |
| Noninterest income | 399,000 | 779,000 | 1,198,000 | 1,625,000 |
| Noninterest expense | 1,848,000 | 3,743,000 | 5,624,000 | 7,644,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 312,000 | 684,000 | 1,084,000 | 1,251,000 |
| Income tax | 20,000 | 59,000 | 49,000 | -4,000 |
| Net income | 292,000 | 625,000 | 1,035,000 | 1,255,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,518,000 | 28,894,000 | 29,255,000 | 29,434,000 |
| Total capital | 29,658,000 | 30,017,000 | 30,305,000 | 30,471,000 |
| Risk-weighted assets | 119,857,000 | 117,382,000 | 113,591,000 | 116,318,000 |