Call reports 2007
RIVERGREEN BANK — 2007
What RIVERGREEN BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 105,578,000 | 110,621,000 | 111,268,000 | 107,571,000 |
| Total loans | 83,231,000 | 87,706,000 | 87,380,000 | 88,286,000 |
| Allowance for loan losses | 735,000 | 818,000 | 899,000 | 974,000 |
| Securities available for sale | 5,271,000 | 4,957,000 | 4,800,000 | 5,691,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,754,000 | 98,867,000 | 101,189,000 | 99,180,000 |
| Interest-bearing deposits | 83,587,000 | 89,265,000 | 92,332,000 | 90,476,000 |
| Noninterest-bearing deposits | 8,167,000 | 9,602,000 | 8,857,000 | 8,704,000 |
| Equity capital | 7,146,000 | 6,979,000 | 6,839,000 | 6,035,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,931,000 | 3,895,000 | 5,980,000 | 7,888,000 |
| Interest expense | 970,000 | 2,033,000 | 3,179,000 | 4,270,000 |
| Net interest income | 961,000 | 1,862,000 | 2,801,000 | 3,618,000 |
| Noninterest income | 50,000 | 154,000 | 213,000 | 276,000 |
| Noninterest expense | 1,173,000 | 2,264,000 | 3,503,000 | 4,830,000 |
| Provision for loan losses | 39,000 | 122,000 | 219,000 | 293,000 |
| Pretax income | -201,000 | -370,000 | -708,000 | -1,229,000 |
| Income tax | -66,000 | -120,000 | -232,000 | 525,000 |
| Net income | -135,000 | -250,000 | -476,000 | -1,754,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,863,000 | 6,696,000 | 6,395,000 | 6,032,000 |
| Total capital | 7,701,000 | 7,610,000 | 7,369,000 | 7,081,000 |
| Risk-weighted assets | 86,180,000 | 91,025,000 | 90,773,000 | 90,525,000 |