Call reports 2010
RVR BANK — 2010
What RVR 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 | 207,912,000 | 206,507,000 | 197,384,000 | 202,751,000 |
| Total loans | 144,753,000 | 146,886,000 | 145,285,000 | 139,127,000 |
| Allowance for loan losses | 2,349,000 | 2,364,000 | 2,131,000 | 2,121,000 |
| Securities available for sale | 28,959,000 | 27,962,000 | 27,402,000 | 26,567,000 |
| Securities held to maturity | 370,000 | 250,000 | 246,000 | 242,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 176,961,000 | 173,137,000 | 165,471,000 | 172,195,000 |
| Interest-bearing deposits | 154,804,000 | 155,320,000 | 146,074,000 | 153,643,000 |
| Noninterest-bearing deposits | 22,157,000 | 17,817,000 | 19,397,000 | 18,552,000 |
| Equity capital | 17,649,000 | 18,864,000 | 19,498,000 | 17,630,000 |
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 | 2,569,000 | 5,186,000 | 7,801,000 | 10,385,000 |
| Interest expense | 803,000 | 1,551,000 | 2,245,000 | 2,866,000 |
| Net interest income | 1,766,000 | 3,635,000 | 5,556,000 | 7,519,000 |
| Noninterest income | 497,000 | 1,161,000 | 1,706,000 | 2,267,000 |
| Noninterest expense | 1,350,000 | 2,714,000 | 4,221,000 | 5,717,000 |
| Provision for loan losses | 150,000 | 746,000 | 1,196,000 | 3,703,000 |
| Pretax income | 763,000 | 1,336,000 | 1,845,000 | 366,000 |
| Income tax | 22,000 | 43,000 | 63,000 | 83,000 |
| Net income | 741,000 | 1,293,000 | 1,782,000 | 283,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,065,000 | 18,117,000 | 18,606,000 | 17,107,000 |
| Total capital | 19,062,000 | 20,110,000 | 20,573,000 | 19,038,000 |
| Risk-weighted assets | 159,373,000 | 159,035,000 | 157,200,000 | 154,287,000 |