Call reports 2009
RIVER TOWN BANK — 2009
What RIVER TOWN 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 | 158,253,000 | 159,711,000 | 165,767,000 | 172,556,000 |
| Total loans | 111,503,000 | 116,989,000 | 122,218,000 | 126,807,000 |
| Allowance for loan losses | 1,121,000 | 1,181,000 | 1,229,000 | 1,653,000 |
| Securities available for sale | 82,000 | 83,000 | 84,000 | 83,000 |
| Securities held to maturity | 6,075,000 | 7,147,000 | 8,050,000 | 7,535,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 134,105,000 | 135,500,000 | 141,166,000 | 146,821,000 |
| Interest-bearing deposits | 111,323,000 | 112,863,000 | 118,377,000 | 121,326,000 |
| Noninterest-bearing deposits | 22,782,000 | 22,637,000 | 22,789,000 | 25,495,000 |
| Equity capital | 16,938,000 | 17,123,000 | 17,398,000 | 17,073,000 |
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 | 2,166,000 | 4,390,000 | 6,758,000 | 9,171,000 |
| Interest expense | 712,000 | 1,457,000 | 2,195,000 | 2,918,000 |
| Net interest income | 1,454,000 | 2,933,000 | 4,563,000 | 6,253,000 |
| Noninterest income | 256,000 | 548,000 | 782,000 | 1,012,000 |
| Noninterest expense | 1,206,000 | 2,589,000 | 3,960,000 | 5,317,000 |
| Provision for loan losses | 145,000 | 245,000 | 305,000 | 755,000 |
| Pretax income | 359,000 | 647,000 | 1,080,000 | 1,193,000 |
| Income tax | 132,000 | 235,000 | 395,000 | 431,000 |
| Net income | 227,000 | 412,000 | 685,000 | 762,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,583,000 | 16,789,000 | 17,085,000 | 16,782,000 |
| Total capital | 17,704,000 | 17,970,000 | 18,314,000 | 18,325,000 |
| Risk-weighted assets | 108,325,000 | 113,679,000 | 118,187,000 | 123,408,000 |
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