Call reports 2009
RIVER BANK — 2009
What RIVER BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 339,052,000 | 341,898,000 | 352,071,000 | 358,714,000 |
| Total loans | 271,668,000 | 287,681,000 | 293,955,000 | 299,889,000 |
| Allowance for loan losses | 3,076,000 | 3,114,000 | 3,124,000 | 3,266,000 |
| Securities available for sale | 39,188,000 | 34,213,000 | 34,233,000 | 32,558,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 289,429,000 | 292,184,000 | 301,001,000 | 310,034,000 |
| Interest-bearing deposits | 267,779,000 | 272,033,000 | 278,295,000 | 285,822,000 |
| Noninterest-bearing deposits | 21,650,000 | 20,151,000 | 22,706,000 | 24,212,000 |
| Equity capital | 38,246,000 | 38,727,000 | 40,285,000 | 40,024,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 4,817,000 | 9,709,000 | 14,698,000 | 19,614,000 |
| Interest expense | 1,981,000 | 3,842,000 | 5,697,000 | 7,481,000 |
| Net interest income | 2,836,000 | 5,867,000 | 9,001,000 | 12,133,000 |
| Noninterest income | 352,000 | 453,000 | 547,000 | 795,000 |
| Noninterest expense | 1,660,000 | 3,326,000 | 4,907,000 | 6,504,000 |
| Provision for loan losses | 78,000 | 156,000 | 234,000 | 1,157,000 |
| Pretax income | 1,450,000 | 2,838,000 | 4,374,000 | 5,157,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,450,000 | 2,838,000 | 4,374,000 | 5,157,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,691,000 | 34,211,000 | 34,881,000 | 34,797,000 |
| Total capital | 36,767,000 | 37,325,000 | 38,005,000 | 38,063,000 |
| Risk-weighted assets | 270,846,000 | 284,819,000 | 294,620,000 | 301,096,000 |