Call reports 2005
RIVERWIND BANK — 2005
What RIVERWIND BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 49,102,000 | 49,091,000 | 52,279,000 | 52,007,000 |
| Total loans | 20,186,000 | 21,219,000 | 24,400,000 | 23,591,000 |
| Allowance for loan losses | 355,000 | 374,000 | 387,000 | 439,000 |
| Securities available for sale | 18,001,000 | 18,930,000 | 19,060,000 | 19,238,000 |
| Securities held to maturity | 6,242,000 | 6,004,000 | 6,000,000 | 5,920,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,579,000 | 42,480,000 | 41,495,000 | 44,687,000 |
| Interest-bearing deposits | 35,768,000 | 35,835,000 | 35,567,000 | 36,151,000 |
| Noninterest-bearing deposits | 6,811,000 | 6,645,000 | 5,928,000 | 8,536,000 |
| Equity capital | 5,579,000 | 5,792,000 | 5,876,000 | 5,475,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 513,000 | 1,066,000 | 1,670,000 | 2,343,000 |
| Interest expense | 152,000 | 302,000 | 499,000 | 707,000 |
| Net interest income | 361,000 | 764,000 | 1,171,000 | 1,636,000 |
| Noninterest income | 79,000 | 158,000 | 245,000 | 344,000 |
| Noninterest expense | 292,000 | 594,000 | 917,000 | 1,293,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 105,000 |
| Pretax income | 133,000 | 299,000 | 455,000 | 583,000 |
| Income tax | 25,000 | 61,000 | 94,000 | 111,000 |
| Net income | 108,000 | 238,000 | 361,000 | 472,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,807,000 | 5,948,000 | 6,062,000 | 5,732,000 |
| Total capital | 6,132,000 | 6,280,000 | 6,431,000 | 6,094,000 |
| Risk-weighted assets | 25,978,000 | 26,524,000 | 29,469,000 | 28,877,000 |