Call reports 2008
RIVER BANK — 2008
What RIVER BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 334,989,000 | 339,345,000 | 334,352,000 | 336,232,000 |
| Total loans | 250,956,000 | 257,835,000 | 264,916,000 | 272,548,000 |
| Allowance for loan losses | 2,907,000 | 2,996,000 | 3,004,000 | 3,003,000 |
| Securities available for sale | 48,733,000 | 52,418,000 | 43,934,000 | 42,477,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 285,637,000 | 292,701,000 | 286,223,000 | 288,548,000 |
| Interest-bearing deposits | 265,536,000 | 272,530,000 | 265,408,000 | 265,872,000 |
| Noninterest-bearing deposits | 20,101,000 | 20,171,000 | 20,815,000 | 22,676,000 |
| Equity capital | 36,822,000 | 36,390,000 | 36,596,000 | 37,323,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 5,184,000 | 10,241,000 | 15,359,000 | 20,364,000 |
| Interest expense | 2,734,000 | 5,342,000 | 7,781,000 | 10,007,000 |
| Net interest income | 2,450,000 | 4,899,000 | 7,578,000 | 10,357,000 |
| Noninterest income | 199,000 | 367,000 | 579,000 | 777,000 |
| Noninterest expense | 1,414,000 | 2,841,000 | 4,309,000 | 5,815,000 |
| Provision for loan losses | 78,000 | 156,000 | 240,000 | 318,000 |
| Pretax income | 1,157,000 | 2,269,000 | 3,608,000 | 5,001,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,157,000 | 2,269,000 | 3,608,000 | 5,001,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,868,000 | 32,112,000 | 32,584,000 | 33,109,000 |
| Total capital | 34,775,000 | 35,108,000 | 35,588,000 | 36,112,000 |
| Risk-weighted assets | 263,004,000 | 268,373,000 | 266,987,000 | 272,099,000 |