Call reports 2007
RIVERBANK — 2007
What RIVERBANK 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 | 57,628,000 | 81,900,000 | 93,566,000 | 101,172,000 |
| Total loans | 47,168,000 | 72,573,000 | 72,899,000 | 87,826,000 |
| Allowance for loan losses | 708,000 | 1,090,000 | 1,095,000 | 1,189,000 |
| Securities available for sale | 0 | 0 | 491,000 | 1,245,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,892,000 | 68,395,000 | 80,062,000 | 87,669,000 |
| Interest-bearing deposits | 40,101,000 | 62,192,000 | 70,634,000 | 80,499,000 |
| Noninterest-bearing deposits | 3,791,000 | 6,203,000 | 9,428,000 | 7,170,000 |
| Equity capital | 13,541,000 | 13,186,000 | 13,166,000 | 13,136,000 |
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 | 1,196,000 | 2,840,000 | 4,718,000 | 6,781,000 |
| Interest expense | 443,000 | 1,077,000 | 1,955,000 | 2,874,000 |
| Net interest income | 753,000 | 1,763,000 | 2,763,000 | 3,907,000 |
| Noninterest income | 9,000 | 38,000 | 45,000 | 162,000 |
| Noninterest expense | 941,000 | 1,965,000 | 3,004,000 | 4,097,000 |
| Provision for loan losses | 158,000 | 540,000 | 545,000 | 769,000 |
| Pretax income | -337,000 | -704,000 | -741,000 | -797,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -337,000 | -704,000 | -741,000 | -797,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,541,000 | 13,186,000 | 13,166,000 | 13,118,000 |
| Total capital | 14,249,000 | 14,276,000 | 14,235,000 | 14,307,000 |
| Risk-weighted assets | 60,029,000 | 83,180,000 | 85,447,000 | 102,289,000 |