Call reports 2007
CARSON RIVER COMMUNITY BANK — 2007
What CARSON RIVER COMMUNITY 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 | 16,219,000 | 21,987,000 | 26,610,000 | 31,940,000 |
| Total loans | 7,059,000 | 13,361,000 | 17,126,000 | 23,922,000 |
| Allowance for loan losses | 69,000 | 133,000 | 153,000 | 239,000 |
| Securities available for sale | 2,574,000 | 3,130,000 | 3,156,000 | 2,081,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 7,182,000 | 13,220,000 | 17,898,000 | 23,445,000 |
| Interest-bearing deposits | 6,814,000 | 12,376,000 | 16,748,000 | 22,010,000 |
| Noninterest-bearing deposits | 368,000 | 844,000 | 1,150,000 | 1,435,000 |
| Equity capital | 8,862,000 | 8,692,000 | 8,626,000 | 8,391,000 |
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 | 224,000 | 590,000 | 1,064,000 | 1,655,000 |
| Interest expense | 49,000 | 178,000 | 371,000 | 625,000 |
| Net interest income | 175,000 | 412,000 | 693,000 | 1,030,000 |
| Noninterest income | 0 | 1,000 | 3,000 | 6,000 |
| Noninterest expense | 345,000 | 773,000 | 1,255,000 | 1,766,000 |
| Provision for loan losses | 33,000 | 97,000 | 117,000 | 203,000 |
| Pretax income | -203,000 | -457,000 | -676,000 | -933,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -203,000 | -457,000 | -676,000 | -933,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,863,000 | 8,699,000 | 8,623,000 | 8,388,000 |
| Total capital | 8,932,000 | 8,832,000 | 8,776,000 | 8,627,000 |
| Risk-weighted assets | 9,448,000 | 16,268,000 | 20,369,000 | 27,428,000 |