Call reports 2010
RIVERBANK — 2010
What RIVERBANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 148,927,000 | 145,740,000 | 146,782,000 | 138,272,000 |
| Total loans | 129,089,000 | 124,798,000 | 120,957,000 | 120,165,000 |
| Allowance for loan losses | 2,557,000 | 2,626,000 | 2,750,000 | 5,018,000 |
| Securities available for sale | 3,661,000 | 4,459,000 | 3,805,000 | 3,286,000 |
| Securities held to maturity | 0 | 500,000 | 500,000 | 1,532,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 134,782,000 | 131,575,000 | 132,336,000 | 127,190,000 |
| Interest-bearing deposits | 124,434,000 | 116,802,000 | 115,020,000 | 112,760,000 |
| Noninterest-bearing deposits | 10,348,000 | 14,773,000 | 17,316,000 | 14,430,000 |
| Equity capital | 13,670,000 | 13,707,000 | 13,991,000 | 10,668,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,235,000 | 4,433,000 | 6,555,000 | 8,482,000 |
| Interest expense | 656,000 | 1,245,000 | 1,778,000 | 2,245,000 |
| Net interest income | 1,579,000 | 3,188,000 | 4,777,000 | 6,237,000 |
| Noninterest income | 84,000 | 114,000 | -18,000 | -230,000 |
| Noninterest expense | 1,085,000 | 2,219,000 | 3,279,000 | 4,433,000 |
| Provision for loan losses | 361,000 | 840,000 | 960,000 | 4,366,000 |
| Pretax income | 217,000 | 243,000 | 520,000 | -2,792,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 217,000 | 243,000 | 520,000 | -2,792,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,621,000 | 13,647,000 | 13,924,000 | 10,612,000 |
| Total capital | 15,294,000 | 15,263,000 | 15,490,000 | 12,105,000 |
| Risk-weighted assets | 133,799,000 | 129,302,000 | 125,294,000 | 119,431,000 |