Call reports 2008
RIVER COMMUNITY BANK, NATIONAL ASSOCIATION — 2008
What RIVER COMMUNITY BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 79,881,000 | 77,237,000 | 78,924,000 | 78,542,000 |
| Total loans | 60,343,000 | 61,071,000 | 62,645,000 | 67,033,000 |
| Allowance for loan losses | 654,000 | 706,000 | 730,000 | 837,000 |
| Securities available for sale | 9,570,000 | 9,737,000 | 8,178,000 | 6,688,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,495,000 | 68,118,000 | 70,071,000 | 69,784,000 |
| Interest-bearing deposits | 56,776,000 | 55,791,000 | 57,545,000 | 58,050,000 |
| Noninterest-bearing deposits | 13,719,000 | 12,327,000 | 12,526,000 | 11,734,000 |
| Equity capital | 8,586,000 | 8,343,000 | 8,277,000 | 8,299,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,378,000 | 2,621,000 | 3,986,000 | 5,142,000 |
| Interest expense | 539,000 | 1,034,000 | 1,502,000 | 1,969,000 |
| Net interest income | 839,000 | 1,587,000 | 2,484,000 | 3,173,000 |
| Noninterest income | 139,000 | 293,000 | 441,000 | 566,000 |
| Noninterest expense | 987,000 | 1,877,000 | 2,828,000 | 3,735,000 |
| Provision for loan losses | 34,000 | 115,000 | 232,000 | 405,000 |
| Pretax income | -43,000 | -112,000 | -135,000 | -401,000 |
| Income tax | -19,000 | -46,000 | -58,000 | -151,000 |
| Net income | -24,000 | -66,000 | -77,000 | -250,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,912,000 | 7,895,000 | 7,844,000 | 7,765,000 |
| Total capital | 8,567,000 | 8,601,000 | 8,574,000 | 8,577,000 |
| Risk-weighted assets | 57,779,000 | 59,248,000 | 60,854,000 | 64,265,000 |