Call reports 2009
RIVER BANK — 2009
What RIVER 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 | 778,472,000 | 788,112,000 | 806,953,000 | 816,598,000 |
| Total loans | 479,946,000 | 501,746,000 | 518,442,000 | 536,619,000 |
| Allowance for loan losses | 6,089,000 | 6,399,000 | 6,636,000 | 7,168,000 |
| Securities available for sale | 249,520,000 | 228,495,000 | 239,916,000 | 230,108,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 441,236,000 | 455,735,000 | 478,468,000 | 494,592,000 |
| Interest-bearing deposits | 412,343,000 | 424,561,000 | 440,673,000 | 460,206,000 |
| Noninterest-bearing deposits | 28,893,000 | 31,174,000 | 37,795,000 | 34,386,000 |
| Equity capital | 66,422,000 | 67,458,000 | 70,173,000 | 59,556,000 |
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 | 10,054,000 | 20,154,000 | 30,436,000 | 40,888,000 |
| Interest expense | 5,504,000 | 10,888,000 | 16,136,000 | 21,368,000 |
| Net interest income | 4,550,000 | 9,266,000 | 14,300,000 | 19,520,000 |
| Noninterest income | 495,000 | 1,025,000 | 1,535,000 | 2,045,000 |
| Noninterest expense | 3,574,000 | 6,979,000 | 10,192,000 | 13,946,000 |
| Provision for loan losses | 240,000 | 700,000 | 1,100,000 | 1,640,000 |
| Pretax income | 1,458,000 | 3,070,000 | 5,573,000 | 7,811,000 |
| Income tax | 482,000 | 1,016,000 | 1,937,000 | 2,704,000 |
| Net income | 976,000 | 2,054,000 | 3,636,000 | 5,107,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 61,462,000 | 63,059,000 | 64,727,000 | 55,501,000 |
| Total capital | 67,551,000 | 69,458,000 | 71,363,000 | 68,669,000 |
| Risk-weighted assets | 530,455,000 | 545,797,000 | 560,897,000 | 579,738,000 |