Call reports 2019
BANK OF RIPLEY — 2019
What BANK OF RIPLEY reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 229,942,000 | 222,419,000 | 217,989,000 | 224,915,000 |
| Total loans | 81,666,000 | 83,428,000 | 86,876,000 | 82,799,000 |
| Allowance for loan losses | 1,116,000 | 1,071,000 | 1,064,000 | 1,210,000 |
| Securities available for sale | 117,688,000 | 118,839,000 | 114,948,000 | 116,382,000 |
| Securities held to maturity | 455,000 | 455,000 | 455,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 194,577,000 | 185,137,000 | 179,022,000 | 186,514,000 |
| Interest-bearing deposits | 148,234,000 | 140,998,000 | 136,479,000 | 140,461,000 |
| Noninterest-bearing deposits | 46,343,000 | 44,139,000 | 42,543,000 | 46,053,000 |
| Equity capital | 32,973,000 | 34,895,000 | 36,529,000 | 35,994,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 2,198,000 | 4,456,000 | 6,695,000 | 8,855,000 |
| Interest expense | 214,000 | 464,000 | 740,000 | 1,018,000 |
| Net interest income | 1,984,000 | 3,992,000 | 5,955,000 | 7,837,000 |
| Noninterest income | 409,000 | 897,000 | 1,383,000 | 1,855,000 |
| Noninterest expense | 1,718,000 | 3,577,000 | 5,324,000 | 7,385,000 |
| Provision for loan losses | 300,000 | 300,000 | 350,000 | 550,000 |
| Pretax income | 402,000 | 1,067,000 | 1,771,000 | 1,923,000 |
| Income tax | 115,000 | 213,000 | 326,000 | 293,000 |
| Net income | 287,000 | 854,000 | 1,445,000 | 1,630,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,669,000 | 33,236,000 | 33,827,000 | 33,999,000 |
| Total capital | 33,785,000 | 34,307,000 | 34,891,000 | 35,209,000 |
| Risk-weighted assets | 123,340,000 | 121,326,000 | 122,572,000 | 121,102,000 |