Call reports 2006
RIVERGREEN BANK — 2006
What RIVERGREEN BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 83,253,000 | 91,271,000 | 96,355,000 | 100,094,000 |
| Total loans | 72,995,000 | 78,831,000 | 82,029,000 | 84,156,000 |
| Allowance for loan losses | 658,000 | 666,000 | 726,000 | 793,000 |
| Securities available for sale | 3,946,000 | 4,741,000 | 4,650,000 | 5,465,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,947,000 | 76,596,000 | 81,888,000 | 86,038,000 |
| Interest-bearing deposits | 61,663,000 | 66,574,000 | 73,707,000 | 77,322,000 |
| Noninterest-bearing deposits | 7,284,000 | 10,022,000 | 8,181,000 | 8,716,000 |
| Equity capital | 7,227,000 | 7,262,000 | 7,371,000 | 7,254,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,416,000 | 3,005,000 | 4,758,000 | 6,583,000 |
| Interest expense | 603,000 | 1,320,000 | 2,138,000 | 3,053,000 |
| Net interest income | 813,000 | 1,685,000 | 2,620,000 | 3,530,000 |
| Noninterest income | 54,000 | 95,000 | 147,000 | 260,000 |
| Noninterest expense | 742,000 | 1,506,000 | 2,386,000 | 3,532,000 |
| Provision for loan losses | 37,000 | 91,000 | 151,000 | 218,000 |
| Pretax income | 88,000 | 183,000 | 230,000 | 40,000 |
| Income tax | 30,000 | 66,000 | 83,000 | 21,000 |
| Net income | 58,000 | 117,000 | 147,000 | 19,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,933,000 | 7,034,000 | 7,060,000 | 7,283,000 |
| Total capital | 7,658,000 | 7,769,000 | 7,854,000 | 8,143,000 |
| Risk-weighted assets | 77,274,000 | 83,433,000 | 88,267,000 | 85,552,000 |