Call reports 2010
RIVER BANK — 2010
What RIVER BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 |
|---|---|---|---|
| Total assets | 806,567,000 | 796,917,000 | 780,356,000 |
| Total loans | 544,453,000 | 542,513,000 | 539,250,000 |
| Allowance for loan losses | 7,277,000 | 7,467,000 | 7,075,000 |
| Securities available for sale | 206,025,000 | 201,854,000 | 170,538,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 505,975,000 | 494,207,000 | 477,645,000 |
| Interest-bearing deposits | 471,750,000 | 456,458,000 | 439,104,000 |
| Noninterest-bearing deposits | 34,225,000 | 37,748,000 | 38,541,000 |
| Equity capital | 61,414,000 | 63,157,000 | 62,594,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 |
|---|---|---|---|
| Interest income | 10,110,000 | 20,099,000 | 29,901,000 |
| Interest expense | 4,859,000 | 9,231,000 | 13,454,000 |
| Net interest income | 5,251,000 | 10,868,000 | 16,447,000 |
| Noninterest income | 525,000 | 1,075,000 | 1,634,000 |
| Noninterest expense | 3,590,000 | 7,133,000 | 10,985,000 |
| Provision for loan losses | 700,000 | 1,400,000 | 2,150,000 |
| Pretax income | 2,183,000 | 4,786,000 | 7,010,000 |
| Income tax | 613,000 | 1,578,000 | 2,305,000 |
| Net income | 1,570,000 | 3,208,000 | 4,705,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 |
|---|---|---|---|
| Tier 1 capital | 57,238,000 | 58,081,000 | 58,393,000 |
| Total capital | 70,456,000 | 71,242,000 | 71,468,000 |
| Risk-weighted assets | 577,528,000 | 572,611,000 | 570,553,000 |