Bank of Ripley in city_name, state_name - Detailed Financial Reports, Location

Bank of Ripley in Ripley, Tennessee (TN)
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Bank of Ripley routing number info

Bank of Ripley - Overview

General
FDIC Certificate #: 15673
Status: Active
Federal Reserve ID: 433550
Bank Holding Company (Regulatory Top Holder): Bancshares Of Ripley, Inc. (RSSDID: 1099823, Location: Ripley, TN)
Date Established: July 14, 1939
WWW: http://www.bankofripley.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 4 (Domestic: 4, Interstate: No)
OTS Docket #: 9828
FDIC's unique #: 9947
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: Yes
Subchapter S Corporations: No
Asset Concentration Hierarchy: Other Specialized Lending < 1 Billion
Date of Deposit Insurance: July 14, 1939
Last Structure Change Effective Date: March 31, 2006
Last Structure Change Process Date: November 03, 2006
Last Data Update: November 03, 2006
Data Source Date: April 05, 2012
Location
Address: 134 North Jefferson Street, Ripley, TN 38063
County: Lauderdale
Quarterly Banking Profile Region: Dallas
FDIC Geographic Region: Dallas
FDIC Supervisory Region: Dallas
FDIC Field Office: Memphis
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: Southeast
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $202.2 mil
Equity capital: $31.0 mil
Deposits held in domestic offices: $169.8 mil
Return on assets (ROA): 0.83% ($1.7 mil)
Quarterly return on assets: 0.85% ($1.7 mil)
Return on Equity (ROE): 5.47% ($1.7 mil)
Quarterly return on equity: 5.43% ($1.7 mil)
Net income: $1.6 mil
Quarterly Net income: $0.4 mil
Pretax return on assets: 0.97% ($1,961.4 mil)
Quarterly Pretax return on assets: 0.69% ($1,395.2 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

Dollar figures in thousands
64Total employees (full-time equivalent)
$202,204Total assets
$7,288Cash and due from depository institutions
$193Interest-bearing balances
$82,245Securities
$18,800Federal funds sold & reverse repurchase agreements
$79,926Net loans & leases
$839Loan loss allowance
$0Trading account assets
$4,280Bank premises and fixed assets
$2,490Other real estate owned
$0Goodwill and other intangibles
$202,204Life insurance assets
$7,175All other assets
$171,201Total liabilities and capital
$169,762Total liabilities
$142,428Total deposits
$169,762Interest-bearing deposits
$83Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$1,439Subordinated debt
$31,003All other liabilities
$31,003Total equity capital
$31,003Total bank equity capital
$0Perpetual preferred stock
$90Common stock
$1,881Surplus
$29,032Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$768Income earned, not collected on loans
$0Earning assets
$1,252Long-term assets (5+ years)
$181,164Average Assets, year-to-date
$75,620Average Assets, quarterly
$192,903Volatile liabilities
$197,073Insider loans
$122,442FHLB advances
$198,268Loans and leases held for sale
$4,050Unused loan commitments
$172Tier 1 (core) risk-based capital
$28,780Tier 2 risk-based capital
$0Total risk weighted assets
$3,878Total unused commitments
$4,921Restructured Loans and leases
$94Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$9,105Total interest income
$1,703Total interest expense
$7,402Net interest income
$290Provision for loan and lease losses
$1,955Total noninterest income
$3Fiduciary activities
$1,288Service charges on deposit accounts
$0Trading account gains & fees
$664Additional noninterest income
$7,221Total noninterest expense
$4,299Salaries and employee benefits
$1,097Premises and equipment expense
$1,825Additional noninterest expense
$1,846Pre-tax net operating income
$19Securities gains (losses)
$264Applicable income taxes
$1,601Income before extraordinary items
$0Extraordinary gains - net
$1,601Net income attributable to bank
$0Net charge-offs
$1,601Cash dividends
$349Sale, conversion, retirement of capital stock, net
$415Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.29%Yield on earning assets
0.99%Cost of funding earning assets
4.30%Net interest margin
1.14%Noninterest income to earning assets
4.19%Noninterest expense to earning assets
0.82%Net operating income to assets
0.83%Return on assets (ROA)
0.97%Pretax return on assets
5.47%Return on equity (ROE)
4.05%Retained earnings to average equity (YTD only)
0.41%Net charge-offs to loans
83.09%Credit loss provision to net charge-offs
6.12%Efficiency ratio
77,172Assets per employee
3.16%Cash dividends to net income (YTD only)
Condition Ratios (%)
25.92%Loss allowance to loans
1.04%Loss allowance to noncurrent loans
109.24%Noncurrent assets plus other real estate owned to assets
1.61%Noncurrent loans to loans
0.95%Net loans and leases to deposits
47.08%Net loans and leases to core deposits
51.95%Equity capital to assets
15.33%Core capital (leverage) ratio
14.52%Tier 1 risk-based capital ratio
23.51%Total risk-based capital ratio
Memoranda
$24Average assets
$192,903Average earning assets
$29,281Average equity
$172,246Average loans

Total Fiduciary and Related Assets (December 31, 2011)

Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
YesFiduciary powers granted
YesFiduciary or related activity
$710Managed Assets
1Number of Accounts
$710Personal trust and agency accounts
$710Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$0Other retirement accounts
$0Corporate trust and agency accounts
$0Investment management agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices
$0Non-managed Assets
47Number of Accounts
$0Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$0Other retirement accounts
$0Corporate trust and agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices

List of branches

4 Tennessee Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	9947	Bank Of Ripley	134 North Jefferson Street, Ripley, TN 38063	July 14, 1939	Full Service Brick and Mortar
3	234937	Bank Of Ripley	Hwy 51 Location 514 Hwy 51 North, Ripley, TN 38063	June 16, 1997	Full Service Brick and Mortar
4	234938	Highway 51 Branch	1775 Highway 51 South, Covington, TN 38019	August 16, 1999	Full Service Brick and Mortar
5	470071	Washington Street Facility	311 South Washington Street, Ripley, TN 38063	December 19, 2007	Limited Service Facility

Bank of Ripley in Ripley, Tennessee (TN)
Overview, Financial Summary, Detailed Financial Reports, Branches

Bank of Ripley - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Bank of Ripley in Ripley, Tennessee (TN)Overview, Financial Summary, Detailed Financial Reports, Branches

Bank of Ripley - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Bank of Ripley in Ripley, Tennessee (TN)
Overview, Financial Summary, Detailed Financial Reports, Branches