Call reports 2017
BANK OF RIPLEY — 2017
What BANK OF RIPLEY reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 223,039,000 | 219,890,000 | 213,347,000 | 222,343,000 |
| Total loans | 73,614,000 | 75,140,000 | 78,669,000 | 75,145,000 |
| Allowance for loan losses | 974,000 | 943,000 | 938,000 | 896,000 |
| Securities available for sale | 105,110,000 | 113,180,000 | 110,909,000 | 108,341,000 |
| Securities held to maturity | 452,000 | 452,000 | 453,000 | 453,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 189,845,000 | 185,327,000 | 178,524,000 | 188,571,000 |
| Interest-bearing deposits | 151,488,000 | 147,991,000 | 141,718,000 | 146,893,000 |
| Noninterest-bearing deposits | 38,357,000 | 37,336,000 | 36,806,000 | 41,678,000 |
| Equity capital | 30,818,000 | 32,158,000 | 32,379,000 | 31,464,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,952,000 | 3,984,000 | 6,063,000 | 8,148,000 |
| Interest expense | 186,000 | 376,000 | 561,000 | 742,000 |
| Net interest income | 1,766,000 | 3,608,000 | 5,502,000 | 7,406,000 |
| Noninterest income | 380,000 | 736,000 | 1,139,000 | 1,548,000 |
| Noninterest expense | 1,797,000 | 3,649,000 | 5,473,000 | 7,442,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 400,000 | 755,000 | 1,232,000 | 1,609,000 |
| Income tax | 48,000 | 109,000 | 210,000 | 730,000 |
| Net income | 352,000 | 646,000 | 1,022,000 | 879,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,283,000 | 29,593,000 | 29,987,000 | 30,061,000 |
| Total capital | 30,257,000 | 30,536,000 | 30,925,000 | 30,957,000 |
| Risk-weighted assets | 127,294,000 | 113,753,000 | 115,528,000 | 113,873,000 |