Call reports 2011
RVR BANK — 2011
What RVR BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 206,613,000 | 204,910,000 | 210,432,000 | 219,058,000 |
| Total loans | 140,989,000 | 135,510,000 | 132,546,000 | 135,514,000 |
| Allowance for loan losses | 2,511,000 | 2,521,000 | 2,747,000 | 2,711,000 |
| Securities available for sale | 26,007,000 | 24,949,000 | 22,467,000 | 22,729,000 |
| Securities held to maturity | 127,000 | 123,000 | 119,000 | 114,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 173,916,000 | 170,485,000 | 177,165,000 | 190,179,000 |
| Interest-bearing deposits | 158,080,000 | 155,587,000 | 161,201,000 | 168,707,000 |
| Noninterest-bearing deposits | 15,836,000 | 14,898,000 | 15,964,000 | 21,472,000 |
| Equity capital | 18,016,000 | 18,841,000 | 19,575,000 | 19,568,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,502,000 | 4,788,000 | 7,133,000 | 9,384,000 |
| Interest expense | 585,000 | 1,171,000 | 1,723,000 | 2,225,000 |
| Net interest income | 1,917,000 | 3,617,000 | 5,410,000 | 7,159,000 |
| Noninterest income | 480,000 | 944,000 | 1,475,000 | 1,886,000 |
| Noninterest expense | 1,524,000 | 2,876,000 | 4,287,000 | 5,639,000 |
| Provision for loan losses | 456,000 | 681,000 | 907,000 | 1,058,000 |
| Pretax income | 417,000 | 1,004,000 | 1,691,000 | 2,348,000 |
| Income tax | -49,000 | -29,000 | -8,000 | 14,000 |
| Net income | 466,000 | 1,033,000 | 1,699,000 | 2,334,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,573,000 | 18,140,000 | 18,806,000 | 18,874,000 |
| Total capital | 19,532,000 | 20,034,000 | 20,686,000 | 20,794,000 |
| Risk-weighted assets | 156,202,000 | 150,890,000 | 149,531,000 | 152,821,000 |