Call reports 2023
BANK OF RIPLEY — 2023
What BANK OF RIPLEY reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 287,294,000 | 276,649,000 | 274,618,000 | 276,902,000 |
| Total loans | 87,481,000 | 89,084,000 | 92,151,000 | 88,428,000 |
| Allowance for loan losses | 822,000 | 780,000 | 761,000 | 829,000 |
| Securities available for sale | 80,509,000 | 78,966,000 | 75,666,000 | 78,116,000 |
| Securities held to maturity | 84,505,000 | 84,478,000 | 84,446,000 | 84,453,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 256,319,000 | 245,549,000 | 234,425,000 | 237,501,000 |
| Interest-bearing deposits | 192,842,000 | 183,950,000 | 175,022,000 | 176,932,000 |
| Noninterest-bearing deposits | 63,477,000 | 61,599,000 | 59,403,000 | 60,569,000 |
| Equity capital | 28,529,000 | 28,426,000 | 27,328,000 | 30,049,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 2,506,000 | 5,151,000 | 7,797,000 | 10,487,000 |
| Interest expense | 279,000 | 724,000 | 1,389,000 | 2,115,000 |
| Net interest income | 2,227,000 | 4,427,000 | 6,408,000 | 8,372,000 |
| Noninterest income | 441,000 | 885,000 | 1,329,000 | 1,761,000 |
| Noninterest expense | 1,910,000 | 3,889,000 | 5,950,000 | 8,248,000 |
| Provision for loan losses | 0 | 0 | 0 | 200,000 |
| Pretax income | 726,000 | 1,391,000 | 1,761,000 | 1,660,000 |
| Income tax | 132,000 | 240,000 | 290,000 | 221,000 |
| Net income | 594,000 | 1,151,000 | 1,471,000 | 1,439,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,317,000 | 39,874,000 | 40,195,000 | 40,162,000 |
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