Call reports 2020
BANK OF RIPLEY — 2020
What BANK OF RIPLEY reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 234,433,000 | 246,573,000 | 246,316,000 | 264,619,000 |
| Total loans | 85,147,000 | 86,704,000 | 87,879,000 | 78,353,000 |
| Allowance for loan losses | 1,210,000 | 1,197,000 | 653,000 | 793,000 |
| Securities available for sale | 122,224,000 | 128,894,000 | 132,389,000 | 141,917,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 194,287,000 | 204,245,000 | 203,259,000 | 220,755,000 |
| Interest-bearing deposits | 146,845,000 | 150,260,000 | 149,045,000 | 156,175,000 |
| Noninterest-bearing deposits | 47,442,000 | 53,985,000 | 54,214,000 | 64,580,000 |
| Equity capital | 37,516,000 | 39,283,000 | 39,757,000 | 40,500,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 2,169,000 | 4,271,000 | 6,392,000 | 8,521,000 |
| Interest expense | 277,000 | 506,000 | 697,000 | 870,000 |
| Net interest income | 1,892,000 | 3,765,000 | 5,695,000 | 7,651,000 |
| Noninterest income | 444,000 | 816,000 | 1,177,000 | 1,525,000 |
| Noninterest expense | 1,740,000 | 3,536,000 | 5,449,000 | 7,584,000 |
| Provision for loan losses | 0 | 0 | 0 | 173,000 |
| Pretax income | 798,000 | 1,288,000 | 1,904,000 | 1,900,000 |
| Income tax | 99,000 | 153,000 | 249,000 | 185,000 |
| Net income | 699,000 | 1,135,000 | 1,655,000 | 1,715,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,266,000 | 34,702,000 | 35,224,000 | 35,278,000 |
| Total capital | 35,476,000 | 35,899,000 | 35,877,000 | 36,071,000 |
| Risk-weighted assets | 124,444,000 | 127,902,000 | 128,085,000 | 124,317,000 |