Call reports 2006
RIVER BANK — 2006
What RIVER BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 301,678,000 | 298,018,000 | 297,224,000 | 305,043,000 |
| Total loans | 234,580,000 | 237,208,000 | 237,269,000 | 244,713,000 |
| Allowance for loan losses | 2,915,000 | 2,931,000 | 2,936,000 | 2,889,000 |
| Securities available for sale | 48,296,000 | 44,683,000 | 43,223,000 | 40,630,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 256,895,000 | 250,204,000 | 250,650,000 | 256,403,000 |
| Interest-bearing deposits | 235,059,000 | 230,008,000 | 229,165,000 | 234,671,000 |
| Noninterest-bearing deposits | 21,836,000 | 20,196,000 | 21,485,000 | 21,732,000 |
| Equity capital | 32,788,000 | 33,138,000 | 34,010,000 | 34,621,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 4,542,000 | 9,232,000 | 14,028,000 | 18,939,000 |
| Interest expense | 1,998,000 | 4,170,000 | 6,467,000 | 8,912,000 |
| Net interest income | 2,544,000 | 5,062,000 | 7,561,000 | 10,027,000 |
| Noninterest income | 206,000 | 443,000 | 672,000 | 881,000 |
| Noninterest expense | 1,352,000 | 2,693,000 | 4,016,000 | 5,312,000 |
| Provision for loan losses | 39,000 | 78,000 | 117,000 | 156,000 |
| Pretax income | 1,359,000 | 2,734,000 | 4,021,000 | 5,361,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,359,000 | 2,734,000 | 4,021,000 | 5,361,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,122,000 | 28,780,000 | 29,299,000 | 29,921,000 |
| Total capital | 31,037,000 | 31,711,000 | 32,232,000 | 32,810,000 |
| Risk-weighted assets | 236,327,000 | 236,300,000 | 234,631,000 | 240,623,000 |