Call reports 2013
ROOT RIVER STATE BANK — 2013
What ROOT RIVER STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 68,549,000 | 67,600,000 | 69,517,000 | 68,309,000 |
| Total loans | 32,977,000 | 33,126,000 | 32,145,000 | 32,101,000 |
| Allowance for loan losses | 317,000 | 311,000 | 312,000 | 314,000 |
| Securities available for sale | 21,409,000 | 21,431,000 | 20,600,000 | 20,007,000 |
| Securities held to maturity | 185,000 | 186,000 | 2,753,000 | 3,644,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,611,000 | 60,270,000 | 62,104,000 | 60,916,000 |
| Interest-bearing deposits | 56,815,000 | 56,097,000 | 58,113,000 | 56,998,000 |
| Noninterest-bearing deposits | 3,796,000 | 4,172,000 | 3,991,000 | 3,919,000 |
| Equity capital | 7,670,000 | 7,275,000 | 7,292,000 | 7,343,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 570,000 | 1,157,000 | 1,730,000 | 2,285,000 |
| Interest expense | 75,000 | 142,000 | 208,000 | 270,000 |
| Net interest income | 495,000 | 1,015,000 | 1,522,000 | 2,015,000 |
| Noninterest income | 31,000 | 65,000 | 101,000 | 137,000 |
| Noninterest expense | 453,000 | 921,000 | 1,379,000 | 1,846,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 73,000 | 159,000 | 244,000 | 302,000 |
| Income tax | 14,000 | 31,000 | 45,000 | 36,000 |
| Net income | 59,000 | 128,000 | 199,000 | 266,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,450,000 | 7,519,000 | 7,590,000 | 7,657,000 |
| Total capital | 7,767,000 | 7,830,000 | 7,902,000 | 7,971,000 |
| Risk-weighted assets | 39,430,000 | 38,703,000 | 38,271,000 | 38,691,000 |
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