Call reports 2007
RIVERWIND BANK — 2007
What RIVERWIND BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 48,619,000 | 47,803,000 | 47,513,000 | 48,049,000 |
| Total loans | 21,877,000 | 23,151,000 | 24,524,000 | 22,901,000 |
| Allowance for loan losses | 444,000 | 445,000 | 388,000 | 387,000 |
| Securities available for sale | 16,726,000 | 16,889,000 | 15,219,000 | 15,316,000 |
| Securities held to maturity | 4,338,000 | 3,843,000 | 3,796,000 | 4,380,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,933,000 | 41,010,000 | 40,402,000 | 41,203,000 |
| Interest-bearing deposits | 34,650,000 | 33,095,000 | 33,413,000 | 32,872,000 |
| Noninterest-bearing deposits | 7,283,000 | 7,915,000 | 6,989,000 | 8,331,000 |
| Equity capital | 5,841,000 | 5,947,000 | 6,198,000 | 5,928,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 661,000 | 1,300,000 | 2,047,000 | 2,778,000 |
| Interest expense | 254,000 | 517,000 | 794,000 | 1,069,000 |
| Net interest income | 407,000 | 783,000 | 1,253,000 | 1,709,000 |
| Noninterest income | 97,000 | 176,000 | 257,000 | 345,000 |
| Noninterest expense | 325,000 | 620,000 | 943,000 | 1,294,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 179,000 | 339,000 | 567,000 | 760,000 |
| Income tax | 39,000 | 79,000 | 144,000 | 187,000 |
| Net income | 140,000 | 260,000 | 423,000 | 573,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,930,000 | 6,040,000 | 6,215,000 | 5,894,000 |
| Total capital | 6,264,000 | 6,387,000 | 6,573,000 | 6,236,000 |
| Risk-weighted assets | 26,646,000 | 27,686,000 | 28,592,000 | 27,324,000 |