Call reports 2007
ROOT RIVER STATE BANK — 2007
What ROOT RIVER STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 61,011,000 | 59,604,000 | 59,336,000 | 60,234,000 |
| Total loans | 45,520,000 | 44,517,000 | 44,250,000 | 42,331,000 |
| Allowance for loan losses | 483,000 | 463,000 | 463,000 | 462,000 |
| Securities available for sale | 8,383,000 | 8,571,000 | 9,123,000 | 9,715,000 |
| Securities held to maturity | 1,425,000 | 1,410,000 | 1,357,000 | 1,325,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,832,000 | 53,521,000 | 53,070,000 | 53,958,000 |
| Interest-bearing deposits | 52,483,000 | 51,054,000 | 50,668,000 | 51,036,000 |
| Noninterest-bearing deposits | 2,350,000 | 2,467,000 | 2,402,000 | 2,922,000 |
| Equity capital | 5,903,000 | 5,853,000 | 5,969,000 | 6,049,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 879,000 | 1,772,000 | 2,667,000 | 3,551,000 |
| Interest expense | 384,000 | 768,000 | 1,148,000 | 1,504,000 |
| Net interest income | 495,000 | 1,004,000 | 1,519,000 | 2,047,000 |
| Noninterest income | 42,000 | 85,000 | 128,000 | 165,000 |
| Noninterest expense | 503,000 | 1,012,000 | 1,484,000 | 1,958,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 34,000 | 77,000 | 163,000 | 254,000 |
| Income tax | 0 | 41,000 | 69,000 | 124,000 |
| Net income | 34,000 | 36,000 | 94,000 | 130,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,949,000 | 5,951,000 | 6,009,000 | 6,045,000 |
| Total capital | 6,432,000 | 6,414,000 | 6,472,000 | 6,507,000 |
| Risk-weighted assets | 45,256,000 | 43,710,000 | 43,478,000 | 41,877,000 |
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