Call reports 2024
BANK OF RIPLEY — 2024
What BANK OF RIPLEY reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 |
|---|---|---|---|
| Total assets | 280,113,000 | 273,317,000 | 271,179,000 |
| Total loans | 92,199,000 | 94,324,000 | 92,610,000 |
| Allowance for loan losses | 834,000 | 827,000 | 906,000 |
| Securities available for sale | 77,426,000 | 73,899,000 | 75,163,000 |
| Securities held to maturity | 84,476,000 | 84,463,000 | 84,444,000 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 240,854,000 | 233,915,000 | 229,012,000 |
| Interest-bearing deposits | 182,924,000 | 178,037,000 | 172,279,000 |
| Noninterest-bearing deposits | 57,930,000 | 55,878,000 | 56,733,000 |
| Equity capital | 30,008,000 | 30,235,000 | 32,580,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 |
|---|---|---|---|
| Interest income | 2,732,000 | 5,550,000 | 8,369,000 |
| Interest expense | 714,000 | 1,475,000 | 2,339,000 |
| Net interest income | 2,018,000 | 4,075,000 | 6,030,000 |
| Noninterest income | 411,000 | 825,000 | 1,578,000 |
| Noninterest expense | 1,903,000 | 3,996,000 | 6,023,000 |
| Provision for loan losses | 0 | 26,000 | 141,000 |
| Pretax income | 532,000 | 906,000 | 1,483,000 |
| Income tax | 84,000 | 138,000 | 171,000 |
| Net income | 448,000 | 768,000 | 1,312,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 |
|---|---|---|---|
| Tier 1 capital | 40,230,000 | 40,551,000 | 41,094,000 |