Call reports 2011
RIVERWIND BANK — 2011
What RIVERWIND BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 58,350,000 | 58,893,000 | 61,476,000 | 62,368,000 |
| Total loans | 30,189,000 | 30,451,000 | 33,163,000 | 34,325,000 |
| Allowance for loan losses | 323,000 | 336,000 | 351,000 | 356,000 |
| Securities available for sale | 15,496,000 | 14,113,000 | 13,639,000 | 14,074,000 |
| Securities held to maturity | 7,175,000 | 7,387,000 | 7,877,000 | 7,494,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,130,000 | 50,255,000 | 52,524,000 | 53,559,000 |
| Interest-bearing deposits | 37,334,000 | 40,673,000 | 44,277,000 | 42,324,000 |
| Noninterest-bearing deposits | 12,796,000 | 9,582,000 | 8,247,000 | 11,235,000 |
| Equity capital | 6,804,000 | 7,207,000 | 7,458,000 | 7,190,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 657,000 | 1,327,000 | 2,012,000 | 2,742,000 |
| Interest expense | 94,000 | 176,000 | 257,000 | 336,000 |
| Net interest income | 563,000 | 1,151,000 | 1,755,000 | 2,406,000 |
| Noninterest income | 96,000 | 200,000 | 304,000 | 424,000 |
| Noninterest expense | 407,000 | 792,000 | 1,251,000 | 1,814,000 |
| Provision for loan losses | 0 | 20,000 | 50,000 | 118,000 |
| Pretax income | 252,000 | 539,000 | 761,000 | 906,000 |
| Income tax | 63,000 | 134,000 | 188,000 | 241,000 |
| Net income | 189,000 | 405,000 | 573,000 | 665,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,841,000 | 7,057,000 | 7,226,000 | 7,017,000 |
| Total capital | 7,164,000 | 7,393,000 | 7,577,000 | 7,373,000 |
| Risk-weighted assets | 34,661,000 | 34,225,000 | 36,197,000 | 37,560,000 |