Call reports 2012
RIVER COMMUNITY BANK, NATIONAL ASSOCIATION — 2012
What RIVER COMMUNITY BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 96,852,000 | 95,253,000 | 98,279,000 | 99,160,000 |
| Total loans | 85,596,000 | 81,602,000 | 88,433,000 | 88,516,000 |
| Allowance for loan losses | 1,008,000 | 1,026,000 | 1,383,000 | 1,539,000 |
| Securities available for sale | 5,811,000 | 5,726,000 | 5,478,000 | 6,259,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,887,000 | 84,496,000 | 87,020,000 | 86,803,000 |
| Interest-bearing deposits | 72,222,000 | 72,328,000 | 75,403,000 | 73,577,000 |
| Noninterest-bearing deposits | 12,665,000 | 12,168,000 | 11,617,000 | 13,226,000 |
| Equity capital | 9,283,000 | 9,427,000 | 9,536,000 | 9,571,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,401,000 | 2,753,000 | 4,139,000 | 5,528,000 |
| Interest expense | 201,000 | 425,000 | 653,000 | 905,000 |
| Net interest income | 1,200,000 | 2,328,000 | 3,486,000 | 4,623,000 |
| Noninterest income | 1,161,000 | 2,900,000 | 5,274,000 | 7,461,000 |
| Noninterest expense | 1,979,000 | 4,351,000 | 6,983,000 | 9,732,000 |
| Provision for loan losses | 154,000 | 326,000 | 803,000 | 963,000 |
| Pretax income | 228,000 | 551,000 | 974,000 | 1,389,000 |
| Income tax | 87,000 | 215,000 | 394,000 | 569,000 |
| Net income | 141,000 | 336,000 | 580,000 | 820,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,878,000 | 9,037,000 | 9,189,000 | 9,290,000 |
| Total capital | 9,835,000 | 9,980,000 | 10,171,000 | 10,275,000 |
| Risk-weighted assets | 76,231,000 | 75,071,000 | 77,693,000 | 77,739,000 |