Call reports 2008
RIVERWIND BANK — 2008
What RIVERWIND BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 50,846,000 | 53,550,000 | 51,205,000 | 54,379,000 |
| Total loans | 21,762,000 | 21,211,000 | 21,810,000 | 21,441,000 |
| Allowance for loan losses | 393,000 | 372,000 | 375,000 | 359,000 |
| Securities available for sale | 13,951,000 | 16,126,000 | 16,213,000 | 17,811,000 |
| Securities held to maturity | 4,306,000 | 4,819,000 | 5,767,000 | 5,710,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,792,000 | 46,570,000 | 44,012,000 | 47,295,000 |
| Interest-bearing deposits | 36,158,000 | 38,061,000 | 37,060,000 | 38,399,000 |
| Noninterest-bearing deposits | 7,634,000 | 8,509,000 | 6,952,000 | 8,896,000 |
| Equity capital | 6,128,000 | 6,054,000 | 6,238,000 | 6,043,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 662,000 | 1,284,000 | 1,931,000 | 2,548,000 |
| Interest expense | 260,000 | 512,000 | 750,000 | 965,000 |
| Net interest income | 402,000 | 772,000 | 1,181,000 | 1,583,000 |
| Noninterest income | 79,000 | 155,000 | 238,000 | 341,000 |
| Noninterest expense | 332,000 | 645,000 | 990,000 | 1,399,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 151,000 | 284,000 | 431,000 | 527,000 |
| Income tax | 37,000 | 65,000 | 98,000 | 116,000 |
| Net income | 114,000 | 219,000 | 333,000 | 411,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,019,000 | 6,123,000 | 6,216,000 | 5,896,000 |
| Total capital | 6,358,000 | 6,467,000 | 6,555,000 | 6,236,000 |
| Risk-weighted assets | 27,082,000 | 27,506,000 | 27,117,000 | 27,171,000 |