Call reports 2011
SAVANNAH RIVER BANKING COMPANY — 2011
What SAVANNAH RIVER BANKING COMPANY reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q3 | 2011Q4 |
|---|---|---|
| Total assets | 146,683,000 | 154,913,000 |
| Total loans | 95,370,000 | 101,326,000 |
| Allowance for loan losses | 1,539,000 | 1,621,000 |
| Securities available for sale | 27,548,000 | 27,195,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 119,304,000 | 126,333,000 |
| Interest-bearing deposits | 111,337,000 | 118,595,000 |
| Noninterest-bearing deposits | 7,967,000 | 7,738,000 |
| Equity capital | 20,769,000 | 20,940,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q3 | 2011Q4 |
|---|---|---|
| Interest income | 4,601,000 | 6,143,000 |
| Interest expense | 1,182,000 | 1,521,000 |
| Net interest income | 3,419,000 | 4,622,000 |
| Noninterest income | 174,000 | 241,000 |
| Noninterest expense | 2,721,000 | 3,594,000 |
| Provision for loan losses | 125,000 | 250,000 |
| Pretax income | 747,000 | 1,019,000 |
| Income tax | 279,000 | 414,000 |
| Net income | 468,000 | 605,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q3 | 2011Q4 |
|---|---|---|
| Tier 1 capital | 20,266,000 | 19,894,000 |
| Total capital | 21,618,000 | 21,300,000 |
| Risk-weighted assets | 107,961,000 | 112,723,000 |