Call reports 2021
BANK OF RIPLEY — 2021
What BANK OF RIPLEY reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 277,214,000 | 279,313,000 | 278,537,000 | 291,602,000 |
| Total loans | 78,857,000 | 82,539,000 | 86,741,000 | 78,602,000 |
| Allowance for loan losses | 780,000 | 748,000 | 761,000 | 736,000 |
| Securities available for sale | 152,474,000 | 157,831,000 | 165,253,000 | 168,041,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 237,896,000 | 236,511,000 | 237,058,000 | 250,249,000 |
| Interest-bearing deposits | 170,022,000 | 178,920,000 | 175,598,000 | 181,908,000 |
| Noninterest-bearing deposits | 67,874,000 | 57,591,000 | 61,460,000 | 68,341,000 |
| Equity capital | 37,181,000 | 39,712,000 | 38,814,000 | 38,817,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 2,068,000 | 4,244,000 | 6,494,000 | 8,622,000 |
| Interest expense | 146,000 | 290,000 | 432,000 | 577,000 |
| Net interest income | 1,922,000 | 3,954,000 | 6,062,000 | 8,045,000 |
| Noninterest income | 329,000 | 831,000 | 1,203,000 | 1,623,000 |
| Noninterest expense | 1,828,000 | 3,737,000 | 5,592,000 | 7,743,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 453,000 | 1,111,000 | 1,764,000 | 2,002,000 |
| Income tax | 22,000 | 53,000 | 134,000 | 121,000 |
| Net income | 431,000 | 1,058,000 | 1,630,000 | 1,881,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,287,000 | 35,914,000 | 36,486,000 | 36,738,000 |
| Total capital | 36,067,000 | 36,662,000 | — | — |
| Risk-weighted assets | 129,836,000 | 131,138,000 | — | — |