Call reports 2008
RIVERLAND BANK — 2008
What RIVERLAND BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 35,790,000 | 42,624,000 | 45,007,000 | 50,870,000 |
| Total loans | 29,727,000 | 34,957,000 | 40,809,000 | 40,259,000 |
| Allowance for loan losses | 302,000 | 336,000 | 368,000 | 1,339,000 |
| Securities available for sale | 4,293,000 | 3,750,000 | 1,994,000 | 2,111,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,665,000 | 34,281,000 | 35,259,000 | 36,672,000 |
| Interest-bearing deposits | 28,100,000 | 28,452,000 | 32,499,000 | 33,489,000 |
| Noninterest-bearing deposits | 1,565,000 | 5,829,000 | 2,760,000 | 3,183,000 |
| Equity capital | 4,769,000 | 4,763,000 | 4,679,000 | 4,124,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 640,000 | 1,325,000 | 1,983,000 | 2,658,000 |
| Interest expense | 326,000 | 588,000 | 883,000 | 1,198,000 |
| Net interest income | 314,000 | 737,000 | 1,100,000 | 1,460,000 |
| Noninterest income | 44,000 | 91,000 | 131,000 | 153,000 |
| Noninterest expense | 410,000 | 809,000 | 1,257,000 | 1,785,000 |
| Provision for loan losses | 12,000 | 46,000 | 78,000 | 1,049,000 |
| Pretax income | -64,000 | -27,000 | -104,000 | -1,221,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -64,000 | -27,000 | -104,000 | -1,221,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,706,000 | 4,743,000 | 4,665,000 | 4,048,000 |
| Total capital | 5,008,000 | 5,079,000 | 5,033,000 | 4,607,000 |
| Risk-weighted assets | 33,781,000 | 41,096,000 | 43,632,000 | 43,922,000 |