Call reports 2006
RIVER BANK — 2006
What RIVER BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 545,805,000 | 515,885,000 | 521,479,000 | 542,622,000 |
| Total loans | 242,416,000 | 248,003,000 | 264,586,000 | 288,163,000 |
| Allowance for loan losses | 4,160,000 | 4,184,000 | 4,214,000 | 4,309,000 |
| Securities available for sale | 271,572,000 | 231,959,000 | 228,100,000 | 218,168,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 306,915,000 | 308,199,000 | 304,916,000 | 298,145,000 |
| Interest-bearing deposits | 289,198,000 | 289,775,000 | 272,561,000 | 266,646,000 |
| Noninterest-bearing deposits | 17,717,000 | 18,424,000 | 32,356,000 | 31,499,000 |
| Equity capital | 52,632,000 | 51,344,000 | 54,584,000 | 56,364,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 6,539,000 | 13,572,000 | 21,128,000 | 28,954,000 |
| Interest expense | 3,241,000 | 7,003,000 | 10,948,000 | 15,215,000 |
| Net interest income | 3,298,000 | 6,569,000 | 10,180,000 | 13,739,000 |
| Noninterest income | 308,000 | 665,000 | 987,000 | 1,995,000 |
| Noninterest expense | 3,144,000 | 7,173,000 | 9,752,000 | 12,694,000 |
| Provision for loan losses | 0 | 30,000 | 60,000 | 160,000 |
| Pretax income | 462,000 | -2,386,000 | -1,062,000 | 463,000 |
| Income tax | 169,000 | -804,000 | -316,000 | 174,000 |
| Net income | 293,000 | -1,582,000 | -746,000 | 289,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 57,057,000 | 54,934,000 | 56,639,000 | 57,749,000 |
| Total capital | 61,210,000 | 59,087,000 | 60,853,000 | 62,058,000 |
| Risk-weighted assets | 332,271,000 | 332,245,000 | 347,027,000 | 379,626,000 |