Call reports 2008
RIVERBANK — 2008
What RIVERBANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 115,353,000 | 123,333,000 | 129,305,000 | 133,523,000 |
| Total loans | 96,944,000 | 107,001,000 | 115,705,000 | 120,771,000 |
| Allowance for loan losses | 1,311,000 | 1,446,000 | 1,565,000 | 1,633,000 |
| Securities available for sale | 1,254,000 | 1,236,000 | 2,199,000 | 2,876,000 |
| Securities held to maturity | 500,000 | 500,000 | 500,000 | 500,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 101,887,000 | 109,950,000 | 115,938,000 | 120,140,000 |
| Interest-bearing deposits | 93,755,000 | 101,384,000 | 107,565,000 | 111,622,000 |
| Noninterest-bearing deposits | 8,132,000 | 8,567,000 | 8,373,000 | 8,518,000 |
| Equity capital | 13,053,000 | 12,921,000 | 12,999,000 | 12,866,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,996,000 | 3,992,000 | 6,162,000 | 8,373,000 |
| Interest expense | 933,000 | 1,919,000 | 2,904,000 | 3,893,000 |
| Net interest income | 1,063,000 | 2,073,000 | 3,258,000 | 4,480,000 |
| Noninterest income | 15,000 | 186,000 | 210,000 | 232,000 |
| Noninterest expense | 1,057,000 | 2,161,000 | 3,179,000 | 4,231,000 |
| Provision for loan losses | 122,000 | 269,000 | 388,000 | 777,000 |
| Pretax income | -88,000 | -158,000 | -86,000 | -282,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -88,000 | -158,000 | -86,000 | -282,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,037,000 | 12,924,000 | 13,004,000 | 12,815,000 |
| Total capital | 14,348,000 | 14,370,000 | 14,569,000 | 14,424,000 |
| Risk-weighted assets | 111,052,000 | 117,101,000 | 125,280,000 | 128,693,000 |