Call reports 2010
RIVERWIND BANK — 2010
What RIVERWIND BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 55,680,000 | 55,148,000 | 56,813,000 | 59,248,000 |
| Total loans | 26,687,000 | 27,996,000 | 30,924,000 | 30,611,000 |
| Allowance for loan losses | 323,000 | 329,000 | 322,000 | 329,000 |
| Securities available for sale | 16,073,000 | 15,604,000 | 13,758,000 | 15,583,000 |
| Securities held to maturity | 5,579,000 | 5,342,000 | 5,860,000 | 7,353,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,913,000 | 46,960,000 | 48,293,000 | 51,220,000 |
| Interest-bearing deposits | 37,310,000 | 36,687,000 | 40,681,000 | 36,377,000 |
| Noninterest-bearing deposits | 10,603,000 | 10,273,000 | 7,612,000 | 14,843,000 |
| Equity capital | 6,626,000 | 6,957,000 | 7,160,000 | 6,591,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 597,000 | 1,208,000 | 1,855,000 | 2,515,000 |
| Interest expense | 119,000 | 235,000 | 351,000 | 460,000 |
| Net interest income | 478,000 | 973,000 | 1,504,000 | 2,055,000 |
| Noninterest income | 114,000 | 245,000 | 355,000 | 466,000 |
| Noninterest expense | 358,000 | 730,000 | 1,124,000 | 1,634,000 |
| Provision for loan losses | 0 | 0 | 0 | 39,000 |
| Pretax income | 235,000 | 490,000 | 749,000 | 840,000 |
| Income tax | 57,000 | 118,000 | 182,000 | 205,000 |
| Net income | 178,000 | 372,000 | 567,000 | 635,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,595,000 | 6,789,000 | 6,984,000 | 6,652,000 |
| Total capital | 6,918,000 | 7,118,000 | 7,306,000 | 6,981,000 |
| Risk-weighted assets | 31,778,000 | 31,717,000 | 34,869,000 | 35,615,000 |