Call reports 2006
RIVERLAND BANK — 2006
What RIVERLAND BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 15,525,000 | 20,238,000 | 25,870,000 | 28,047,000 |
| Total loans | 9,820,000 | 14,338,000 | 20,161,000 | 23,228,000 |
| Allowance for loan losses | 122,000 | 177,000 | 247,000 | 247,000 |
| Securities available for sale | 0 | 992,000 | 1,499,000 | 1,749,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 10,423,000 | 15,197,000 | 19,216,000 | 21,374,000 |
| Interest-bearing deposits | 8,398,000 | 13,245,000 | 17,286,000 | 18,659,000 |
| Noninterest-bearing deposits | 2,025,000 | 1,952,000 | 1,930,000 | 2,715,000 |
| Equity capital | 5,081,000 | 4,972,000 | 4,899,000 | 4,755,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 192,000 | 506,000 | 925,000 | 1,423,000 |
| Interest expense | 73,000 | 197,000 | 380,000 | 620,000 |
| Net interest income | 119,000 | 309,000 | 545,000 | 803,000 |
| Noninterest income | 15,000 | 50,000 | 124,000 | 165,000 |
| Noninterest expense | 263,000 | 537,000 | 855,000 | 1,299,000 |
| Provision for loan losses | 67,000 | 122,000 | 192,000 | 192,000 |
| Pretax income | -196,000 | -300,000 | -378,000 | -523,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -196,000 | -300,000 | -378,000 | -523,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,081,000 | 4,972,000 | 4,898,000 | 4,754,000 |
| Total capital | 5,203,000 | 5,149,000 | 5,145,000 | 5,001,000 |
| Risk-weighted assets | 17,387,000 | 21,564,000 | 24,159,000 | 26,969,000 |