Call reports 2018
BANK OF RIPLEY — 2018
What BANK OF RIPLEY reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 231,517,000 | 222,141,000 | 219,694,000 | 219,887,000 |
| Total loans | 75,982,000 | 80,549,000 | 82,594,000 | 79,666,000 |
| Allowance for loan losses | 904,000 | 894,000 | 876,000 | 851,000 |
| Securities available for sale | 111,546,000 | 114,698,000 | 113,242,000 | 109,710,000 |
| Securities held to maturity | 453,000 | 454,000 | 454,000 | 454,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 198,900,000 | 189,466,000 | 181,898,000 | 186,055,000 |
| Interest-bearing deposits | 155,410,000 | 148,862,000 | 141,117,000 | 142,390,000 |
| Noninterest-bearing deposits | 43,490,000 | 40,604,000 | 40,781,000 | 43,665,000 |
| Equity capital | 30,227,000 | 30,363,000 | 30,055,000 | 31,467,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 2,185,000 | 4,391,000 | 6,620,000 | 8,854,000 |
| Interest expense | 183,000 | 370,000 | 587,000 | 797,000 |
| Net interest income | 2,002,000 | 4,021,000 | 6,033,000 | 8,057,000 |
| Noninterest income | 392,000 | 769,000 | 1,182,000 | 1,624,000 |
| Noninterest expense | 1,803,000 | 3,621,000 | 5,373,000 | 7,351,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 591,000 | 1,176,000 | 1,851,000 | 2,357,000 |
| Income tax | 101,000 | 202,000 | 329,000 | 410,000 |
| Net income | 490,000 | 974,000 | 1,522,000 | 1,947,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,358,000 | 31,663,000 | 32,234,000 | 32,648,000 |
| Total capital | 31,262,000 | 32,557,000 | 33,110,000 | 33,499,000 |
| Risk-weighted assets | 118,535,000 | 121,194,000 | 123,114,000 | 118,666,000 |