Call reports 2008
RIVER BANK — 2008
What RIVER 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 | 675,564,000 | 712,799,000 | 729,210,000 | 761,305,000 |
| Total loans | 372,615,000 | 409,619,000 | 436,992,000 | 452,621,000 |
| Allowance for loan losses | 4,874,000 | 5,238,000 | 5,535,000 | 5,885,000 |
| Securities available for sale | 263,809,000 | 254,970,000 | 241,831,000 | 264,136,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 331,249,000 | 373,041,000 | 401,695,000 | 417,031,000 |
| Interest-bearing deposits | 302,325,000 | 340,430,000 | 373,312,000 | 389,401,000 |
| Noninterest-bearing deposits | 28,924,000 | 32,611,000 | 28,383,000 | 27,630,000 |
| Equity capital | 61,700,000 | 59,031,000 | 50,764,000 | 64,544,000 |
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 | 9,292,000 | 18,864,000 | 28,797,000 | 38,799,000 |
| Interest expense | 5,394,000 | 10,723,000 | 16,203,000 | 21,875,000 |
| Net interest income | 3,898,000 | 8,141,000 | 12,594,000 | 16,924,000 |
| Noninterest income | 484,000 | 983,000 | 1,459,000 | 2,030,000 |
| Noninterest expense | 2,771,000 | 5,704,000 | 8,585,000 | 11,642,000 |
| Provision for loan losses | 105,000 | 505,000 | 835,000 | 1,285,000 |
| Pretax income | 1,506,000 | 2,915,000 | -4,750,000 | -4,078,000 |
| Income tax | 557,000 | 980,000 | 1,527,000 | -1,496,000 |
| Net income | 949,000 | 1,935,000 | -6,277,000 | -2,582,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 59,480,000 | 59,469,000 | 53,027,000 | 60,889,000 |
| Total capital | 64,354,000 | 64,707,000 | 58,562,000 | 66,774,000 |
| Risk-weighted assets | 453,450,000 | 487,684,000 | 503,293,000 | 514,789,000 |