Call reports 2010
RIVER BANK — 2010
What RIVER BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 359,028,000 | 367,855,000 | 375,644,000 | 390,898,000 |
| Total loans | 295,851,000 | 305,063,000 | 315,388,000 | 323,644,000 |
| Allowance for loan losses | 3,349,000 | 3,648,000 | 3,658,000 | 3,739,000 |
| Securities available for sale | 32,153,000 | 31,016,000 | 34,156,000 | 32,232,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 311,084,000 | 317,545,000 | 324,976,000 | 341,182,000 |
| Interest-bearing deposits | 290,350,000 | 295,264,000 | 302,050,000 | 315,782,000 |
| Noninterest-bearing deposits | 20,734,000 | 22,281,000 | 22,926,000 | 25,400,000 |
| Equity capital | 41,022,000 | 41,508,000 | 42,893,000 | 42,429,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 4,908,000 | 9,876,000 | 15,010,000 | 20,220,000 |
| Interest expense | 1,613,000 | 3,202,000 | 4,760,000 | 6,265,000 |
| Net interest income | 3,295,000 | 6,674,000 | 10,250,000 | 13,955,000 |
| Noninterest income | 247,000 | 67,000 | 356,000 | 515,000 |
| Noninterest expense | 1,607,000 | 3,206,000 | 4,830,000 | 6,489,000 |
| Provision for loan losses | 90,000 | 181,000 | 273,000 | 365,000 |
| Pretax income | 1,793,000 | 3,254,000 | 5,403,000 | 7,266,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,793,000 | 3,254,000 | 5,403,000 | 7,266,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,722,000 | 36,315,000 | 37,447,000 | 37,842,000 |
| Total capital | 39,071,000 | 39,964,000 | 41,105,000 | 41,581,000 |
| Risk-weighted assets | 296,701,000 | 302,350,000 | 311,061,000 | 315,995,000 |