Call reports 2005
RIVERGREEN BANK — 2005
What RIVERGREEN BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 56,312,000 | 61,299,000 | 73,083,000 | 79,611,000 |
| Total loans | 41,721,000 | 49,432,000 | 58,908,000 | 66,850,000 |
| Allowance for loan losses | 529,000 | 576,000 | 607,000 | 643,000 |
| Securities available for sale | 4,754,000 | 4,621,000 | 4,351,000 | 4,122,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,257,000 | 48,333,000 | 60,116,000 | 65,263,000 |
| Interest-bearing deposits | 39,057,000 | 42,555,000 | 51,031,000 | 56,987,000 |
| Noninterest-bearing deposits | 6,200,000 | 5,778,000 | 9,085,000 | 8,276,000 |
| Equity capital | 6,871,000 | 7,091,000 | 7,132,000 | 7,211,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 743,000 | 1,606,000 | 2,686,000 | 3,963,000 |
| Interest expense | 215,000 | 497,000 | 878,000 | 1,357,000 |
| Net interest income | 528,000 | 1,109,000 | 1,808,000 | 2,606,000 |
| Noninterest income | 48,000 | 165,000 | 268,000 | 335,000 |
| Noninterest expense | 572,000 | 1,163,000 | 1,803,000 | 2,501,000 |
| Provision for loan losses | 49,000 | 96,000 | 127,000 | 167,000 |
| Pretax income | -45,000 | 15,000 | 146,000 | 273,000 |
| Income tax | -16,000 | 5,000 | 50,000 | 93,000 |
| Net income | -29,000 | 10,000 | 96,000 | 180,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,243,000 | 6,460,000 | 6,568,000 | 6,846,000 |
| Total capital | 6,800,000 | 7,063,000 | 7,221,000 | 7,546,000 |
| Risk-weighted assets | 45,657,000 | 52,394,000 | 62,794,000 | 70,628,000 |