Call reports 2009
RIVERBANK — 2009
What RIVERBANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 135,423,000 | 142,106,000 | 142,034,000 | 153,076,000 |
| Total loans | 118,886,000 | 121,172,000 | 125,467,000 | 128,820,000 |
| Allowance for loan losses | 1,786,000 | 2,003,000 | 2,200,000 | 2,258,000 |
| Securities available for sale | 4,473,000 | 3,948,000 | 3,451,000 | 4,440,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 121,934,000 | 128,647,000 | 128,325,000 | 139,205,000 |
| Interest-bearing deposits | 113,912,000 | 117,782,000 | 117,399,000 | 129,307,000 |
| Noninterest-bearing deposits | 8,022,000 | 10,866,000 | 10,926,000 | 9,898,000 |
| Equity capital | 13,001,000 | 12,911,000 | 13,227,000 | 13,466,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,190,000 | 4,364,000 | 6,587,000 | 8,869,000 |
| Interest expense | 888,000 | 1,715,000 | 2,507,000 | 3,242,000 |
| Net interest income | 1,302,000 | 2,649,000 | 4,080,000 | 5,627,000 |
| Noninterest income | 15,000 | 105,000 | 42,000 | -39,000 |
| Noninterest expense | 1,023,000 | 2,274,000 | 3,148,000 | 4,263,000 |
| Provision for loan losses | 156,000 | 422,000 | 618,000 | 733,000 |
| Pretax income | 138,000 | 58,000 | 356,000 | 592,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 138,000 | 58,000 | 356,000 | 592,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,948,000 | 12,868,000 | 13,167,000 | 13,403,000 |
| Total capital | 14,530,000 | 14,474,000 | 14,793,000 | 15,073,000 |
| Risk-weighted assets | 126,567,000 | 128,438,000 | 130,100,000 | 133,625,000 |