Call reports 2022
BANK OF RIPLEY — 2022
What BANK OF RIPLEY reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 294,447,000 | 285,783,000 | 276,539,000 | 288,721,000 |
| Total loans | 78,829,000 | 83,726,000 | 87,405,000 | 84,544,000 |
| Allowance for loan losses | 622,000 | 602,000 | 548,000 | 516,000 |
| Securities available for sale | 170,360,000 | 88,114,000 | 82,664,000 | 83,497,000 |
| Securities held to maturity | 0 | 84,628,000 | 84,523,000 | 84,506,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 263,287,000 | 256,231,000 | 247,743,000 | 259,468,000 |
| Interest-bearing deposits | 195,474,000 | 190,494,000 | 183,080,000 | 190,669,000 |
| Noninterest-bearing deposits | 67,813,000 | 65,737,000 | 64,663,000 | 68,799,000 |
| Equity capital | 28,911,000 | 27,282,000 | 25,347,000 | 26,910,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 2,087,000 | 4,325,000 | 6,648,000 | 9,099,000 |
| Interest expense | 145,000 | 298,000 | 450,000 | 647,000 |
| Net interest income | 1,942,000 | 4,027,000 | 6,198,000 | 8,452,000 |
| Noninterest income | 595,000 | 1,022,000 | 1,479,000 | 1,918,000 |
| Noninterest expense | 1,886,000 | 3,820,000 | 5,688,000 | 7,864,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 704,000 | 1,278,000 | 2,047,000 | 2,574,000 |
| Income tax | 94,000 | 161,000 | 270,000 | 326,000 |
| Net income | 610,000 | 1,117,000 | 1,777,000 | 2,248,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,364,000 | 37,872,000 | 38,531,000 | 39,001,000 |