Call reports 2012
RIVER TOWN BANK — 2012
What RIVER TOWN 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 | 180,362,000 | 178,594,000 | 177,019,000 | 175,566,000 |
| Total loans | 120,572,000 | 109,080,000 | 101,412,000 | 100,989,000 |
| Allowance for loan losses | 2,009,000 | 2,124,000 | 1,669,000 | 1,679,000 |
| Securities available for sale | 86,000 | 85,000 | 86,000 | 85,000 |
| Securities held to maturity | 10,325,000 | 21,840,000 | 22,112,000 | 22,216,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 150,782,000 | 149,446,000 | 147,969,000 | 146,866,000 |
| Interest-bearing deposits | 122,404,000 | 122,109,000 | 118,982,000 | 117,063,000 |
| Noninterest-bearing deposits | 28,378,000 | 27,337,000 | 28,987,000 | 29,803,000 |
| Equity capital | 19,223,000 | 19,181,000 | 19,171,000 | 18,971,000 |
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 | 2,010,000 | 4,191,000 | 5,801,000 | 7,418,000 |
| Interest expense | 369,000 | 728,000 | 1,063,000 | 1,372,000 |
| Net interest income | 1,641,000 | 3,463,000 | 4,738,000 | 6,046,000 |
| Noninterest income | 268,000 | 524,000 | 779,000 | 1,068,000 |
| Noninterest expense | 1,371,000 | 3,117,000 | 4,555,000 | 6,195,000 |
| Provision for loan losses | 40,000 | 449,000 | 449,000 | 529,000 |
| Pretax income | 498,000 | 421,000 | 513,000 | 390,000 |
| Income tax | 199,000 | 163,000 | 189,000 | 145,000 |
| Net income | 299,000 | 258,000 | 324,000 | 245,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,121,000 | 19,100,000 | 19,110,000 | 18,932,000 |
| Total capital | 20,587,000 | 20,499,000 | 20,456,000 | 20,265,000 |
| Risk-weighted assets | 116,759,000 | 111,175,000 | 107,354,000 | 106,309,000 |
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