Call reports 2009
ROOT RIVER STATE BANK — 2009
What ROOT RIVER STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 59,607,000 | 59,989,000 | 58,175,000 | 59,977,000 |
| Total loans | 41,519,000 | 43,016,000 | 41,776,000 | 40,594,000 |
| Allowance for loan losses | 357,000 | 344,000 | 344,000 | 344,000 |
| Securities available for sale | 8,438,000 | 9,246,000 | 10,147,000 | 10,388,000 |
| Securities held to maturity | 482,000 | 457,000 | 457,000 | 402,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,847,000 | 53,133,000 | 51,049,000 | 52,845,000 |
| Interest-bearing deposits | 50,417,000 | 50,728,000 | 48,873,000 | 49,370,000 |
| Noninterest-bearing deposits | 2,430,000 | 2,405,000 | 2,176,000 | 3,475,000 |
| Equity capital | 6,445,000 | 6,612,000 | 6,768,000 | 6,861,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 764,000 | 1,555,000 | 2,328,000 | 3,084,000 |
| Interest expense | 235,000 | 459,000 | 670,000 | 855,000 |
| Net interest income | 529,000 | 1,096,000 | 1,658,000 | 2,229,000 |
| Noninterest income | 51,000 | 159,000 | 193,000 | 220,000 |
| Noninterest expense | 467,000 | 949,000 | 1,422,000 | 1,918,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 113,000 | 306,000 | 429,000 | 531,000 |
| Income tax | 29,000 | 65,000 | 101,000 | 131,000 |
| Net income | 84,000 | 241,000 | 328,000 | 400,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,345,000 | 6,502,000 | 6,589,000 | 6,662,000 |
| Total capital | 6,702,000 | 6,846,000 | 6,933,000 | 7,006,000 |
| Risk-weighted assets | 40,170,000 | 41,718,000 | 40,941,000 | 39,598,000 |
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