Call reports 2010
RIVER COMMUNITY BANK, NATIONAL ASSOCIATION — 2010
What RIVER COMMUNITY BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 92,454,000 | 95,138,000 | 98,232,000 | 96,490,000 |
| Total loans | 77,845,000 | 78,968,000 | 85,923,000 | 81,663,000 |
| Allowance for loan losses | 1,010,000 | 1,039,000 | 953,000 | 919,000 |
| Securities available for sale | 5,637,000 | 10,077,000 | 6,402,000 | 5,928,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,467,000 | 82,073,000 | 87,075,000 | 86,169,000 |
| Interest-bearing deposits | 68,459,000 | 67,885,000 | 73,435,000 | 70,946,000 |
| Noninterest-bearing deposits | 15,008,000 | 14,188,000 | 13,640,000 | 15,223,000 |
| Equity capital | 8,119,000 | 8,211,000 | 9,552,000 | 9,044,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,240,000 | 2,508,000 | 3,849,000 | 5,352,000 |
| Interest expense | 353,000 | 683,000 | 1,017,000 | 1,323,000 |
| Net interest income | 887,000 | 1,825,000 | 2,832,000 | 4,029,000 |
| Noninterest income | 142,000 | 287,000 | 2,879,000 | 2,548,000 |
| Noninterest expense | 985,000 | 1,944,000 | 2,984,000 | 4,310,000 |
| Provision for loan losses | 47,000 | 111,000 | 685,000 | 897,000 |
| Pretax income | -1,000 | 59,000 | 2,044,000 | 1,372,000 |
| Income tax | -2,000 | 17,000 | 707,000 | 457,000 |
| Net income | 1,000 | 42,000 | 1,337,000 | 915,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,690,000 | 7,758,000 | 8,904,000 | 8,523,000 |
| Total capital | 9,107,000 | 9,203,000 | 10,357,000 | 9,942,000 |
| Risk-weighted assets | 72,879,000 | 74,993,000 | 79,457,000 | 75,941,000 |