Call reports 2005
RIVER BANK — 2005
What RIVER BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 560,595,000 | 542,253,000 | 529,616,000 | 518,918,000 |
| Total loans | 234,452,000 | 238,897,000 | 233,830,000 | 234,611,000 |
| Allowance for loan losses | 4,139,000 | 4,135,000 | 4,133,000 | 4,126,000 |
| Securities available for sale | 60,208,000 | 49,499,000 | 47,416,000 | 46,123,000 |
| Securities held to maturity | 238,659,000 | 225,948,000 | 217,884,000 | 210,802,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 306,149,000 | 308,039,000 | 309,240,000 | 303,840,000 |
| Interest-bearing deposits | 285,553,000 | 286,163,000 | 289,141,000 | 284,681,000 |
| Noninterest-bearing deposits | 20,596,000 | 21,876,000 | 20,099,000 | 19,159,000 |
| Equity capital | 54,420,000 | 55,115,000 | 55,102,000 | 56,825,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 6,111,000 | 12,592,000 | 19,040,000 | 25,509,000 |
| Interest expense | 2,550,000 | 5,509,000 | 8,513,000 | 11,614,000 |
| Net interest income | 3,561,000 | 7,083,000 | 10,527,000 | 13,895,000 |
| Noninterest income | 347,000 | 723,000 | 1,094,000 | 3,734,000 |
| Noninterest expense | 2,519,000 | 5,218,000 | 7,718,000 | 10,925,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,389,000 | 2,588,000 | 3,903,000 | 6,704,000 |
| Income tax | 496,000 | 911,000 | 1,379,000 | 2,455,000 |
| Net income | 893,000 | 1,677,000 | 2,524,000 | 4,249,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 54,501,000 | 54,710,000 | 54,948,000 | 56,670,000 |
| Total capital | 58,490,000 | 58,661,000 | 58,890,000 | 60,546,000 |
| Risk-weighted assets | 318,939,000 | 315,887,000 | 315,193,000 | 309,843,000 |