Call reports 2007
RIVER BANK — 2007
What RIVER BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 310,968,000 | 311,569,000 | 318,063,000 | 329,376,000 |
| Total loans | 244,354,000 | 245,202,000 | 248,022,000 | 258,546,000 |
| Allowance for loan losses | 2,948,000 | 2,989,000 | 3,007,000 | 2,850,000 |
| Securities available for sale | 40,316,000 | 40,923,000 | 40,372,000 | 48,978,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 261,691,000 | 263,162,000 | 267,706,000 | 281,521,000 |
| Interest-bearing deposits | 240,999,000 | 242,124,000 | 247,959,000 | 257,520,000 |
| Noninterest-bearing deposits | 20,692,000 | 21,038,000 | 19,747,000 | 24,001,000 |
| Equity capital | 35,043,000 | 35,055,000 | 35,788,000 | 36,291,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 4,923,000 | 10,052,000 | 15,177,000 | 20,452,000 |
| Interest expense | 2,523,000 | 5,190,000 | 7,963,000 | 10,815,000 |
| Net interest income | 2,400,000 | 4,862,000 | 7,214,000 | 9,637,000 |
| Noninterest income | 212,000 | 436,000 | 646,000 | 804,000 |
| Noninterest expense | 1,267,000 | 2,552,000 | 3,828,000 | 5,090,000 |
| Provision for loan losses | 52,000 | 104,000 | 156,000 | 208,000 |
| Pretax income | 1,293,000 | 2,642,000 | 3,876,000 | 5,128,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,293,000 | 2,642,000 | 3,876,000 | 5,128,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,346,000 | 30,828,000 | 31,194,000 | 31,579,000 |
| Total capital | 33,294,000 | 33,817,000 | 34,201,000 | 34,429,000 |
| Risk-weighted assets | 242,577,000 | 242,849,000 | 247,598,000 | 262,683,000 |