Call reports 2012
ROOT RIVER STATE BANK — 2012
What ROOT RIVER STATE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 60,003,000 | 62,325,000 | 63,738,000 | 70,097,000 |
| Total loans | 36,240,000 | 36,257,000 | 35,435,000 | 33,870,000 |
| Allowance for loan losses | 328,000 | 327,000 | 319,000 | 317,000 |
| Securities available for sale | 14,452,000 | 16,048,000 | 16,257,000 | 18,975,000 |
| Securities held to maturity | 276,000 | 276,000 | 276,000 | 276,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,175,000 | 54,477,000 | 55,686,000 | 62,189,000 |
| Interest-bearing deposits | 49,048,000 | 50,877,000 | 52,326,000 | 57,590,000 |
| Noninterest-bearing deposits | 3,127,000 | 3,600,000 | 3,360,000 | 4,599,000 |
| Equity capital | 7,494,000 | 7,573,000 | 7,679,000 | 7,673,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 634,000 | 1,270,000 | 1,892,000 | 2,488,000 |
| Interest expense | 94,000 | 185,000 | 273,000 | 356,000 |
| Net interest income | 540,000 | 1,085,000 | 1,619,000 | 2,132,000 |
| Noninterest income | 29,000 | 54,000 | 83,000 | 111,000 |
| Noninterest expense | 472,000 | 962,000 | 1,426,000 | 1,889,000 |
| Provision for loan losses | 3,000 | 20,000 | 30,000 | 30,000 |
| Pretax income | 94,000 | 157,000 | 246,000 | 324,000 |
| Income tax | 30,000 | 48,000 | 74,000 | 89,000 |
| Net income | 64,000 | 109,000 | 172,000 | 235,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,220,000 | 7,265,000 | 7,328,000 | 7,391,000 |
| Total capital | 7,548,000 | 7,592,000 | 7,647,000 | 7,708,000 |
| Risk-weighted assets | 37,689,000 | 38,701,000 | 38,006,000 | 39,246,000 |
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