Call reports 2008
CARSON RIVER COMMUNITY BANK — 2008
What CARSON RIVER COMMUNITY 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 | 35,044,000 | 37,808,000 | 41,329,000 | 46,021,000 |
| Total loans | 24,654,000 | 29,591,000 | 32,959,000 | 38,549,000 |
| Allowance for loan losses | 263,000 | 435,000 | 474,000 | 928,000 |
| Securities available for sale | 2,591,000 | 2,602,000 | 2,020,000 | 1,512,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,778,000 | 30,050,000 | 34,164,000 | 40,294,000 |
| Interest-bearing deposits | 25,011,000 | 27,240,000 | 31,544,000 | 36,942,000 |
| Noninterest-bearing deposits | 1,767,000 | 2,810,000 | 2,620,000 | 3,352,000 |
| Equity capital | 8,162,000 | 7,645,000 | 7,024,000 | 5,566,000 |
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 | 555,000 | 1,118,000 | 1,715,000 | 2,374,000 |
| Interest expense | 289,000 | 545,000 | 828,000 | 1,144,000 |
| Net interest income | 266,000 | 573,000 | 887,000 | 1,230,000 |
| Noninterest income | 3,000 | 14,000 | 18,000 | 35,000 |
| Noninterest expense | 500,000 | 1,119,000 | 1,715,000 | 2,399,000 |
| Provision for loan losses | 30,000 | 250,000 | 600,000 | 1,762,000 |
| Pretax income | -261,000 | -782,000 | -1,410,000 | -2,896,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -261,000 | -782,000 | -1,410,000 | -2,896,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,147,000 | 7,645,000 | 7,047,000 | 5,590,000 |
| Total capital | 8,410,000 | 8,080,000 | 7,520,000 | 6,145,000 |
| Risk-weighted assets | 28,824,000 | 34,024,000 | 39,120,000 | 44,047,000 |