Call reports 2012
RIVER BANK — 2012
What RIVER BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 424,121,000 | 422,824,000 | 424,550,000 | 437,160,000 |
| Total loans | 322,976,000 | 322,237,000 | 311,161,000 | 319,448,000 |
| Allowance for loan losses | 4,187,000 | 4,205,000 | 5,131,000 | 4,119,000 |
| Securities available for sale | 37,775,000 | 45,857,000 | 46,232,000 | 48,149,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 367,735,000 | 365,378,000 | 367,049,000 | 378,898,000 |
| Interest-bearing deposits | 339,972,000 | 338,604,000 | 338,814,000 | 346,013,000 |
| Noninterest-bearing deposits | 27,763,000 | 26,774,000 | 28,235,000 | 32,885,000 |
| Equity capital | 48,295,000 | 49,580,000 | 49,281,000 | 49,451,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 5,002,000 | 9,808,000 | 14,408,000 | 18,897,000 |
| Interest expense | 1,236,000 | 2,411,000 | 3,552,000 | 4,647,000 |
| Net interest income | 3,766,000 | 7,397,000 | 10,856,000 | 14,250,000 |
| Noninterest income | 302,000 | 606,000 | 895,000 | 754,000 |
| Noninterest expense | 1,663,000 | 3,361,000 | 5,059,000 | 6,807,000 |
| Provision for loan losses | 91,000 | 182,000 | 1,274,000 | 1,366,000 |
| Pretax income | 2,314,000 | 4,460,000 | 5,418,000 | 6,831,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,314,000 | 4,460,000 | 5,418,000 | 6,831,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,311,000 | 44,440,000 | 44,230,000 | 44,476,000 |
| Total capital | 47,351,000 | 48,557,000 | 48,269,000 | 48,540,000 |
| Risk-weighted assets | 323,031,000 | 329,321,000 | 322,004,000 | 325,076,000 |