Call reports 2007
RIVER COMMUNITY BANK, NATIONAL ASSOCIATION — 2007
What RIVER COMMUNITY BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 81,402,000 | 81,949,000 | 81,501,000 | 78,467,000 |
| Total loans | 56,127,000 | 59,331,000 | 57,099,000 | 62,009,000 |
| Allowance for loan losses | 678,000 | 722,000 | 738,000 | 640,000 |
| Securities available for sale | 18,649,000 | 16,196,000 | 18,017,000 | 10,896,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,466,000 | 73,011,000 | 72,179,000 | 68,510,000 |
| Interest-bearing deposits | 60,452,000 | 59,977,000 | 59,552,000 | 56,440,000 |
| Noninterest-bearing deposits | 12,014,000 | 13,034,000 | 12,627,000 | 12,070,000 |
| Equity capital | 8,228,000 | 8,191,000 | 8,419,000 | 8,546,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,470,000 | 3,024,000 | 4,577,000 | 6,039,000 |
| Interest expense | 609,000 | 1,232,000 | 1,856,000 | 2,424,000 |
| Net interest income | 861,000 | 1,792,000 | 2,721,000 | 3,615,000 |
| Noninterest income | 191,000 | 287,000 | 422,000 | 571,000 |
| Noninterest expense | 842,000 | 1,685,000 | 2,547,000 | 3,434,000 |
| Provision for loan losses | 55,000 | 104,000 | 124,000 | 175,000 |
| Pretax income | 155,000 | 290,000 | 472,000 | 577,000 |
| Income tax | 48,000 | 91,000 | 148,000 | 180,000 |
| Net income | 107,000 | 199,000 | 324,000 | 397,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,554,000 | 7,673,000 | 7,824,000 | 7,909,000 |
| Total capital | 8,232,000 | 8,395,000 | 8,535,000 | 8,549,000 |
| Risk-weighted assets | 56,456,000 | 58,217,000 | 56,850,000 | 59,488,000 |