Call reports 2010
RIVER TOWN BANK — 2010
What RIVER TOWN 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 | 167,205,000 | 169,935,000 | 175,117,000 | 176,047,000 |
| Total loans | 128,324,000 | 131,663,000 | 135,791,000 | 134,718,000 |
| Allowance for loan losses | 1,668,000 | 1,732,000 | 1,765,000 | 1,751,000 |
| Securities available for sale | 84,000 | 86,000 | 85,000 | 84,000 |
| Securities held to maturity | 5,014,000 | 5,715,000 | 5,868,000 | 5,764,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 140,789,000 | 143,785,000 | 149,125,000 | 147,541,000 |
| Interest-bearing deposits | 115,754,000 | 118,830,000 | 122,070,000 | 121,803,000 |
| Noninterest-bearing deposits | 25,035,000 | 24,955,000 | 27,055,000 | 25,738,000 |
| Equity capital | 17,340,000 | 17,713,000 | 17,747,000 | 18,023,000 |
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 | 2,395,000 | 4,739,000 | 7,188,000 | 9,678,000 |
| Interest expense | 655,000 | 1,220,000 | 1,770,000 | 2,315,000 |
| Net interest income | 1,740,000 | 3,519,000 | 5,418,000 | 7,363,000 |
| Noninterest income | 260,000 | 534,000 | 836,000 | 1,169,000 |
| Noninterest expense | 1,308,000 | 2,667,000 | 4,022,000 | 5,433,000 |
| Provision for loan losses | 35,000 | 120,000 | 345,000 | 480,000 |
| Pretax income | 657,000 | 1,266,000 | 1,887,000 | 2,619,000 |
| Income tax | 251,000 | 489,000 | 734,000 | 994,000 |
| Net income | 406,000 | 777,000 | 1,153,000 | 1,625,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,070,000 | 17,464,000 | 17,519,000 | 17,816,000 |
| Total capital | 18,598,000 | 19,034,000 | 19,141,000 | 19,442,000 |
| Risk-weighted assets | 122,109,000 | 125,465,000 | 129,601,000 | 129,936,000 |
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