Call reports 2007
RIVERLAND BANK — 2007
What RIVERLAND BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 29,280,000 | 32,991,000 | 35,422,000 | 37,361,000 |
| Total loans | 23,505,000 | 27,577,000 | 27,821,000 | 30,955,000 |
| Allowance for loan losses | 247,000 | 274,000 | 290,000 | 311,000 |
| Securities available for sale | 1,750,000 | 1,499,000 | 2,237,000 | 4,511,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,309,000 | 28,009,000 | 29,202,000 | 31,826,000 |
| Interest-bearing deposits | 21,273,000 | 25,303,000 | 26,424,000 | 29,463,000 |
| Noninterest-bearing deposits | 3,036,000 | 2,706,000 | 2,778,000 | 2,363,000 |
| Equity capital | 4,781,000 | 4,775,000 | 4,815,000 | 4,800,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 529,000 | 1,132,000 | 1,814,000 | 2,480,000 |
| Interest expense | 265,000 | 556,000 | 891,000 | 1,236,000 |
| Net interest income | 264,000 | 576,000 | 923,000 | 1,244,000 |
| Noninterest income | 45,000 | 84,000 | 128,000 | 161,000 |
| Noninterest expense | 283,000 | 612,000 | 954,000 | 1,291,000 |
| Provision for loan losses | 0 | 27,000 | 43,000 | 99,000 |
| Pretax income | 26,000 | 21,000 | 54,000 | 15,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 26,000 | 21,000 | 54,000 | 15,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,781,000 | 4,776,000 | 4,809,000 | 4,770,000 |
| Total capital | 5,028,000 | 5,050,000 | 5,099,000 | 5,081,000 |
| Risk-weighted assets | 27,623,000 | 31,891,000 | 33,662,000 | 35,168,000 |