Call reports 2009
CARSON RIVER COMMUNITY BANK — 2009
What CARSON RIVER COMMUNITY 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 | 53,775,000 | 51,317,000 | 49,978,000 | 51,095,000 |
| Total loans | 39,170,000 | 39,102,000 | 39,133,000 | 39,536,000 |
| Allowance for loan losses | 1,110,000 | 1,189,000 | 2,177,000 | 3,411,000 |
| Securities available for sale | 4,000,000 | 3,975,000 | 4,024,000 | 4,087,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,546,000 | 46,739,000 | 46,639,000 | 50,024,000 |
| Interest-bearing deposits | 43,793,000 | 41,940,000 | 42,263,000 | 46,593,000 |
| Noninterest-bearing deposits | 4,753,000 | 4,799,000 | 4,376,000 | 3,431,000 |
| Equity capital | 5,056,000 | 4,430,000 | 3,163,000 | 889,000 |
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 | 686,000 | 1,358,000 | 1,978,000 | 2,546,000 |
| Interest expense | 323,000 | 617,000 | 906,000 | 1,169,000 |
| Net interest income | 363,000 | 741,000 | 1,072,000 | 1,377,000 |
| Noninterest income | 9,000 | 16,000 | 30,000 | 41,000 |
| Noninterest expense | 640,000 | 1,342,000 | 2,039,000 | 3,395,000 |
| Provision for loan losses | 245,000 | 550,000 | 1,535,000 | 2,762,000 |
| Pretax income | -513,000 | -1,130,000 | -2,467,000 | -4,734,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -513,000 | -1,130,000 | -2,467,000 | -4,734,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,107,000 | 4,488,000 | 3,162,000 | 925,000 |
| Total capital | 5,705,000 | 5,058,000 | 3,725,000 | 1,474,000 |
| Risk-weighted assets | 47,312,000 | 44,975,000 | 43,447,000 | 42,144,000 |