Call reports 2007
RIVER BANK — 2007
What RIVER 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 | 559,808,000 | 579,123,000 | 609,137,000 | 621,651,000 |
| Total loans | 307,716,000 | 333,158,000 | 349,306,000 | 358,113,000 |
| Allowance for loan losses | 4,366,000 | 4,517,000 | 4,763,000 | 4,810,000 |
| Securities available for sale | 213,428,000 | 199,655,000 | 215,235,000 | 230,165,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 309,849,000 | 316,749,000 | 328,061,000 | 324,049,000 |
| Interest-bearing deposits | 277,964,000 | 284,639,000 | 297,694,000 | 295,152,000 |
| Noninterest-bearing deposits | 31,885,000 | 32,110,000 | 30,368,000 | 28,898,000 |
| Equity capital | 57,653,000 | 56,408,000 | 58,030,000 | 58,933,000 |
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 | 8,098,000 | 16,614,000 | 25,720,000 | 35,034,000 |
| Interest expense | 4,327,000 | 8,995,000 | 14,264,000 | 19,702,000 |
| Net interest income | 3,771,000 | 7,619,000 | 11,456,000 | 15,332,000 |
| Noninterest income | 349,000 | 778,000 | 1,697,000 | 2,658,000 |
| Noninterest expense | 2,808,000 | 5,640,000 | 8,490,000 | 11,359,000 |
| Provision for loan losses | 60,000 | 215,000 | 465,000 | 645,000 |
| Pretax income | 1,252,000 | 2,542,000 | 4,198,000 | 5,986,000 |
| Income tax | 461,000 | 892,000 | 1,485,000 | 2,152,000 |
| Net income | 791,000 | 1,650,000 | 2,713,000 | 3,834,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 58,549,000 | 58,656,000 | 58,987,000 | 58,511,000 |
| Total capital | 62,915,000 | 63,173,000 | 63,750,000 | 63,321,000 |
| Risk-weighted assets | 400,030,000 | 418,523,000 | 427,744,000 | 445,288,000 |