Call reports 2009
RIVERLAND BANK — 2009
What RIVERLAND BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 49,785,000 | 48,741,000 | 47,600,000 | 45,114,000 |
| Total loans | 35,816,000 | 35,243,000 | 33,678,000 | 30,521,000 |
| Allowance for loan losses | 1,193,000 | 1,023,000 | 795,000 | 906,000 |
| Securities available for sale | 2,887,000 | 2,808,000 | 3,618,000 | 3,835,000 |
| Securities held to maturity | 299,000 | 271,000 | 244,000 | 222,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,116,000 | 34,493,000 | 35,476,000 | 33,726,000 |
| Interest-bearing deposits | 32,240,000 | 31,081,000 | 32,858,000 | 31,098,000 |
| Noninterest-bearing deposits | 2,876,000 | 3,412,000 | 2,618,000 | 2,628,000 |
| Equity capital | 4,176,000 | 4,272,000 | 4,155,000 | 3,400,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 608,000 | 1,194,000 | 1,751,000 | 2,277,000 |
| Interest expense | 324,000 | 612,000 | 879,000 | 1,114,000 |
| Net interest income | 284,000 | 582,000 | 872,000 | 1,163,000 |
| Noninterest income | 37,000 | 79,000 | 119,000 | 154,000 |
| Noninterest expense | 330,000 | 736,000 | 1,195,000 | 1,681,000 |
| Provision for loan losses | -87,000 | -257,000 | -257,000 | 323,000 |
| Pretax income | 78,000 | 182,000 | 53,000 | -687,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 78,000 | 182,000 | 53,000 | -687,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,126,000 | 4,231,000 | 4,101,000 | 3,361,000 |
| Total capital | 4,668,000 | 4,761,000 | 4,611,000 | 3,820,000 |
| Risk-weighted assets | 42,695,000 | 41,884,000 | 40,522,000 | 36,253,000 |