Call reports 2011
RIVER BANK — 2011
What RIVER BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 394,087,000 | 405,271,000 | 411,835,000 | 421,886,000 |
| Total loans | 324,449,000 | 323,816,000 | 325,887,000 | 325,162,000 |
| Allowance for loan losses | 3,829,000 | 3,949,000 | 4,034,000 | 4,093,000 |
| Securities available for sale | 34,030,000 | 39,224,000 | 31,661,000 | 31,750,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 342,909,000 | 352,318,000 | 356,508,000 | 366,564,000 |
| Interest-bearing deposits | 318,281,000 | 325,378,000 | 330,043,000 | 336,229,000 |
| Noninterest-bearing deposits | 24,628,000 | 26,940,000 | 26,465,000 | 30,335,000 |
| Equity capital | 43,750,000 | 45,338,000 | 46,747,000 | 47,219,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 5,170,000 | 10,370,000 | 15,591,000 | 20,608,000 |
| Interest expense | 1,434,000 | 2,864,000 | 4,281,000 | 5,624,000 |
| Net interest income | 3,736,000 | 7,506,000 | 11,310,000 | 14,984,000 |
| Noninterest income | 208,000 | 425,000 | 618,000 | 449,000 |
| Noninterest expense | 1,657,000 | 3,267,000 | 4,914,000 | 6,526,000 |
| Provision for loan losses | 90,000 | 181,000 | 273,000 | 665,000 |
| Pretax income | 2,197,000 | 4,483,000 | 6,741,000 | 8,242,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,197,000 | 4,483,000 | 6,741,000 | 8,242,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,021,000 | 40,290,000 | 41,531,000 | 42,015,000 |
| Total capital | 42,850,000 | 44,239,000 | 45,565,000 | 46,070,000 |
| Risk-weighted assets | 319,934,000 | 320,975,000 | 322,807,000 | 324,350,000 |