Call reports 2011
RIVERBANK — 2011
What RIVERBANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 137,471,000 | 149,132,000 | 151,162,000 | 139,140,000 |
| Total loans | 118,447,000 | 119,342,000 | 115,066,000 | 113,622,000 |
| Allowance for loan losses | 2,778,000 | 3,112,000 | 2,503,000 | 2,404,000 |
| Securities available for sale | 3,268,000 | 2,260,000 | 3,250,000 | 2,232,000 |
| Securities held to maturity | 1,532,000 | 1,532,000 | 1,533,000 | 1,533,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 126,210,000 | 137,885,000 | 140,318,000 | 123,927,000 |
| Interest-bearing deposits | 112,605,000 | 120,516,000 | 120,210,000 | 108,888,000 |
| Noninterest-bearing deposits | 13,605,000 | 17,369,000 | 20,108,000 | 15,039,000 |
| Equity capital | 10,872,000 | 10,608,000 | 10,362,000 | 14,818,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,922,000 | 3,765,000 | 5,563,000 | 7,294,000 |
| Interest expense | 425,000 | 813,000 | 1,203,000 | 1,558,000 |
| Net interest income | 1,497,000 | 2,952,000 | 4,360,000 | 5,736,000 |
| Noninterest income | -53,000 | -126,000 | -94,000 | -41,000 |
| Noninterest expense | 1,230,000 | 2,425,000 | 3,560,000 | 4,781,000 |
| Provision for loan losses | 0 | 450,000 | 1,000,000 | 1,600,000 |
| Pretax income | 214,000 | -49,000 | -294,000 | -686,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 214,000 | -49,000 | -294,000 | -686,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,827,000 | 10,563,000 | 10,319,000 | 14,787,000 |
| Total capital | 12,314,000 | 12,037,000 | 11,731,000 | 16,172,000 |
| Risk-weighted assets | 118,970,000 | 118,005,000 | 112,988,000 | 110,792,000 |