Call reports 2009
RIVERWIND BANK — 2009
What RIVERWIND BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 53,873,000 | 54,853,000 | 51,070,000 | 54,763,000 |
| Total loans | 22,778,000 | 25,630,000 | 27,669,000 | 28,491,000 |
| Allowance for loan losses | 337,000 | 390,000 | 393,000 | 345,000 |
| Securities available for sale | 17,156,000 | 17,112,000 | 13,528,000 | 12,451,000 |
| Securities held to maturity | 5,704,000 | 5,611,000 | 5,903,000 | 5,711,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,664,000 | 47,146,000 | 43,195,000 | 47,180,000 |
| Interest-bearing deposits | 38,965,000 | 38,689,000 | 35,554,000 | 35,050,000 |
| Noninterest-bearing deposits | 7,699,000 | 8,457,000 | 7,641,000 | 12,130,000 |
| Equity capital | 6,103,000 | 6,617,000 | 6,797,000 | 6,466,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 623,000 | 1,224,000 | 1,823,000 | 2,453,000 |
| Interest expense | 191,000 | 361,000 | 504,000 | 629,000 |
| Net interest income | 432,000 | 863,000 | 1,319,000 | 1,824,000 |
| Noninterest income | 87,000 | 542,000 | 650,000 | 769,000 |
| Noninterest expense | 344,000 | 645,000 | 1,038,000 | 1,526,000 |
| Provision for loan losses | 0 | 50,000 | 50,000 | 50,000 |
| Pretax income | 176,000 | 711,000 | 882,000 | 952,000 |
| Income tax | 40,000 | 78,000 | 113,000 | 112,000 |
| Net income | 136,000 | 633,000 | 769,000 | 840,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,042,000 | 6,554,000 | 6,709,000 | 6,417,000 |
| Total capital | 6,379,000 | 6,938,000 | 7,102,000 | 6,762,000 |
| Risk-weighted assets | 28,122,000 | 30,699,000 | 31,710,000 | 32,712,000 |