Call reports 2011
RIVER COMMUNITY BANK, NATIONAL ASSOCIATION — 2011
What RIVER COMMUNITY BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 92,398,000 | 91,720,000 | 90,009,000 | 95,619,000 |
| Total loans | 79,876,000 | 78,760,000 | 77,020,000 | 82,587,000 |
| Allowance for loan losses | 913,000 | 961,000 | 984,000 | 967,000 |
| Securities available for sale | 5,691,000 | 5,595,000 | 6,010,000 | 6,323,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,230,000 | 81,486,000 | 80,062,000 | 84,827,000 |
| Interest-bearing deposits | 67,922,000 | 69,229,000 | 68,146,000 | 73,326,000 |
| Noninterest-bearing deposits | 14,308,000 | 12,257,000 | 11,916,000 | 11,501,000 |
| Equity capital | 9,079,000 | 9,181,000 | 9,324,000 | 9,147,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,386,000 | 2,652,000 | 3,975,000 | 5,355,000 |
| Interest expense | 258,000 | 496,000 | 723,000 | 929,000 |
| Net interest income | 1,128,000 | 2,156,000 | 3,252,000 | 4,426,000 |
| Noninterest income | 89,000 | 212,000 | 319,000 | 489,000 |
| Noninterest expense | 1,084,000 | 2,150,000 | 3,186,000 | 4,297,000 |
| Provision for loan losses | 88,000 | 111,000 | 137,000 | 257,000 |
| Pretax income | 45,000 | 107,000 | 248,000 | 361,000 |
| Income tax | 12,000 | 30,000 | 75,000 | 110,000 |
| Net income | 33,000 | 77,000 | 173,000 | 251,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,598,000 | 8,685,000 | 8,823,000 | 8,695,000 |
| Total capital | 10,011,000 | 10,110,000 | 9,724,000 | 9,642,000 |
| Risk-weighted assets | 74,268,000 | 73,353,000 | 71,441,000 | 75,372,000 |