Call reports 2006
RIVER COMMUNITY BANK, NATIONAL ASSOCIATION — 2006
What RIVER COMMUNITY BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 68,850,000 | 84,047,000 | 81,509,000 | 80,703,000 |
| Total loans | 53,500,000 | 53,048,000 | 54,426,000 | 53,401,000 |
| Allowance for loan losses | 637,000 | 620,000 | 653,000 | 641,000 |
| Securities available for sale | 10,329,000 | 22,141,000 | 18,536,000 | 20,125,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,523,000 | 75,026,000 | 72,958,000 | 71,933,000 |
| Interest-bearing deposits | 51,490,000 | 63,455,000 | 61,683,000 | 59,747,000 |
| Noninterest-bearing deposits | 9,033,000 | 11,571,000 | 11,275,000 | 12,186,000 |
| Equity capital | 7,056,000 | 7,922,000 | 8,062,000 | 8,103,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,195,000 | 2,461,000 | 3,975,000 | 5,473,000 |
| Interest expense | 469,000 | 964,000 | 1,573,000 | 2,223,000 |
| Net interest income | 726,000 | 1,497,000 | 2,402,000 | 3,250,000 |
| Noninterest income | 179,000 | 301,000 | 440,000 | 554,000 |
| Noninterest expense | 621,000 | 1,306,000 | 2,058,000 | 2,850,000 |
| Provision for loan losses | 9,000 | 15,000 | 74,000 | 97,000 |
| Pretax income | 275,000 | 477,000 | 710,000 | 857,000 |
| Income tax | 94,000 | 204,000 | 343,000 | 441,000 |
| Net income | 181,000 | 273,000 | 367,000 | 416,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,087,000 | 7,979,000 | 7,345,000 | 7,420,000 |
| Total capital | 7,724,000 | 8,599,000 | 7,998,000 | 8,061,000 |
| Risk-weighted assets | 51,444,000 | 54,714,000 | 54,673,000 | 54,284,000 |