Call reports 2010
ROOT RIVER STATE BANK — 2010
What ROOT RIVER STATE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 58,528,000 | 57,896,000 | 57,675,000 | 60,180,000 |
| Total loans | 40,801,000 | 41,041,000 | 40,791,000 | 38,433,000 |
| Allowance for loan losses | 321,000 | 250,000 | 375,000 | 344,000 |
| Securities available for sale | 10,691,000 | 10,574,000 | 9,606,000 | 10,395,000 |
| Securities held to maturity | 310,000 | 255,000 | 254,000 | 255,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,288,000 | 50,550,000 | 50,200,000 | 52,909,000 |
| Interest-bearing deposits | 48,717,000 | 47,982,000 | 47,613,000 | 49,217,000 |
| Noninterest-bearing deposits | 2,571,000 | 2,569,000 | 2,587,000 | 3,692,000 |
| Equity capital | 6,935,000 | 7,091,000 | 7,128,000 | 7,105,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 731,000 | 1,477,000 | 2,219,000 | 2,919,000 |
| Interest expense | 166,000 | 318,000 | 462,000 | 598,000 |
| Net interest income | 565,000 | 1,159,000 | 1,757,000 | 2,321,000 |
| Noninterest income | 30,000 | 61,000 | 97,000 | 138,000 |
| Noninterest expense | 478,000 | 967,000 | 1,439,000 | 1,931,000 |
| Provision for loan losses | 0 | 0 | 125,000 | 125,000 |
| Pretax income | 117,000 | 253,000 | 290,000 | 403,000 |
| Income tax | 31,000 | 48,000 | 82,000 | 110,000 |
| Net income | 86,000 | 205,000 | 208,000 | 293,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,748,000 | 6,867,000 | 6,870,000 | 6,955,000 |
| Total capital | 7,069,000 | 7,117,000 | 7,245,000 | 7,299,000 |
| Risk-weighted assets | 39,893,000 | 39,727,000 | 40,265,000 | 38,393,000 |
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