Call reports 2006
RIVERWIND BANK — 2006
What RIVERWIND BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 52,208,000 | 53,133,000 | 51,681,000 | 48,021,000 |
| Total loans | 22,478,000 | 23,915,000 | 24,664,000 | 23,193,000 |
| Allowance for loan losses | 437,000 | 435,000 | 437,000 | 447,000 |
| Securities available for sale | 20,015,000 | 20,943,000 | 18,839,000 | 16,890,000 |
| Securities held to maturity | 5,492,000 | 5,213,000 | 4,966,000 | 4,840,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,874,000 | 44,441,000 | 42,154,000 | 41,071,000 |
| Interest-bearing deposits | 37,231,000 | 36,174,000 | 35,696,000 | 33,785,000 |
| Noninterest-bearing deposits | 8,643,000 | 8,267,000 | 6,458,000 | 7,286,000 |
| Equity capital | 5,605,000 | 5,706,000 | 5,964,000 | 5,665,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 622,000 | 1,271,000 | 1,960,000 | 2,636,000 |
| Interest expense | 215,000 | 455,000 | 746,000 | 1,027,000 |
| Net interest income | 407,000 | 816,000 | 1,214,000 | 1,609,000 |
| Noninterest income | 79,000 | 154,000 | 234,000 | 321,000 |
| Noninterest expense | 295,000 | 581,000 | 897,000 | 1,265,000 |
| Provision for loan losses | 10,000 | 10,000 | 10,000 | 10,000 |
| Pretax income | 181,000 | 379,000 | 541,000 | 655,000 |
| Income tax | 39,000 | 92,000 | 132,000 | 153,000 |
| Net income | 142,000 | 287,000 | 409,000 | 502,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,864,000 | 5,998,000 | 6,136,000 | 5,788,000 |
| Total capital | 6,216,000 | 6,367,000 | 6,507,000 | 6,132,000 |
| Risk-weighted assets | 28,072,000 | 29,423,000 | 29,627,000 | 27,438,000 |