Call reports 2005
RIVERS EDGE BANK — 2005
What RIVERS EDGE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 66,807,000 | 68,093,000 | 68,064,000 | 68,843,000 |
| Total loans | 50,564,000 | 52,678,000 | 53,452,000 | 52,636,000 |
| Allowance for loan losses | 464,000 | 484,000 | 545,000 | 579,000 |
| Securities available for sale | 6,477,000 | 5,857,000 | 5,289,000 | 4,473,000 |
| Securities held to maturity | 2,230,000 | 1,736,000 | 1,472,000 | 1,440,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,330,000 | 51,869,000 | 51,143,000 | 57,985,000 |
| Interest-bearing deposits | 43,628,000 | 43,724,000 | 41,793,000 | 46,912,000 |
| Noninterest-bearing deposits | 9,702,000 | 8,145,000 | 9,350,000 | 11,073,000 |
| Equity capital | 5,538,000 | 5,490,000 | 5,585,000 | 5,545,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 935,000 | 1,939,000 | 3,002,000 | 4,061,000 |
| Interest expense | 244,000 | 538,000 | 885,000 | 1,205,000 |
| Net interest income | 691,000 | 1,401,000 | 2,117,000 | 2,856,000 |
| Noninterest income | 146,000 | 306,000 | 501,000 | 673,000 |
| Noninterest expense | 629,000 | 1,265,000 | 1,938,000 | 2,729,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 180,000 | 380,000 | 584,000 | 674,000 |
| Income tax | 52,000 | 110,000 | 169,000 | 237,000 |
| Net income | 128,000 | 270,000 | 415,000 | 437,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,170,000 | 5,118,000 | 5,225,000 | 5,206,000 |
| Total capital | 5,634,000 | 5,602,000 | 5,770,000 | 5,785,000 |
| Risk-weighted assets | 52,987,000 | 55,138,000 | 56,029,000 | 55,584,000 |