Call reports 2005
RIVER BANK — 2005
What RIVER BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 217,073,000 | 218,244,000 | 223,469,000 | 303,262,000 |
| Total loans | 164,934,000 | 170,099,000 | 176,218,000 | 229,800,000 |
| Allowance for loan losses | 2,027,000 | 2,105,000 | 2,171,000 | 2,883,000 |
| Securities available for sale | 38,971,000 | 37,910,000 | 36,530,000 | 50,790,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 184,422,000 | 185,551,000 | 185,219,000 | 257,335,000 |
| Interest-bearing deposits | 170,580,000 | 169,874,000 | 167,993,000 | 232,299,000 |
| Noninterest-bearing deposits | 13,842,000 | 15,677,000 | 17,226,000 | 25,036,000 |
| Equity capital | 23,041,000 | 24,049,000 | 24,972,000 | 32,228,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 3,026,000 | 6,153,000 | 9,405,000 | 13,937,000 |
| Interest expense | 1,141,000 | 2,353,000 | 3,682,000 | 5,643,000 |
| Net interest income | 1,885,000 | 3,800,000 | 5,723,000 | 8,294,000 |
| Noninterest income | 163,000 | 350,000 | 542,000 | 739,000 |
| Noninterest expense | 908,000 | 1,819,000 | 2,728,000 | 4,193,000 |
| Provision for loan losses | 72,000 | 150,000 | 222,000 | 222,000 |
| Pretax income | 1,068,000 | 2,181,000 | 3,315,000 | 4,585,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,068,000 | 2,181,000 | 3,315,000 | 4,585,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,329,000 | 23,243,000 | 24,277,000 | 27,380,000 |
| Total capital | 24,356,000 | 25,348,000 | 26,448,000 | 30,263,000 |
| Risk-weighted assets | 169,662,000 | 176,284,000 | 181,736,000 | 234,334,000 |