Call reports 2005
RIVER COMMUNITY BANK, NATIONAL ASSOCIATION — 2005
What RIVER COMMUNITY BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 64,693,000 | 64,839,000 | 66,658,000 | 68,766,000 |
| Total loans | 52,438,000 | 51,733,000 | 55,358,000 | 52,274,000 |
| Allowance for loan losses | 669,000 | 672,000 | 698,000 | 624,000 |
| Securities available for sale | 6,277,000 | 7,759,000 | 6,098,000 | 10,165,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,788,000 | 57,994,000 | 59,621,000 | 61,533,000 |
| Interest-bearing deposits | 51,118,000 | 49,315,000 | 50,803,000 | 52,699,000 |
| Noninterest-bearing deposits | 8,670,000 | 8,679,000 | 8,818,000 | 8,834,000 |
| Equity capital | 4,694,000 | 6,620,000 | 6,715,000 | 6,876,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 916,000 | 1,894,000 | 2,972,000 | 4,152,000 |
| Interest expense | 298,000 | 631,000 | 1,032,000 | 1,481,000 |
| Net interest income | 618,000 | 1,263,000 | 1,940,000 | 2,671,000 |
| Noninterest income | 157,000 | 296,000 | 437,000 | 523,000 |
| Noninterest expense | 507,000 | 1,083,000 | 1,710,000 | 2,314,000 |
| Provision for loan losses | 4,000 | 14,000 | 44,000 | -12,000 |
| Pretax income | 264,000 | 462,000 | 623,000 | 892,000 |
| Income tax | 0 | -571,000 | -515,000 | -423,000 |
| Net income | 264,000 | 1,033,000 | 1,138,000 | 1,315,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,707,000 | 6,622,000 | 6,727,000 | 6,906,000 |
| Total capital | 5,338,000 | 7,259,000 | 7,398,000 | 7,530,000 |
| Risk-weighted assets | 50,483,000 | 50,954,000 | 53,618,000 | 50,893,000 |