Call reports 2006
RIVERS EDGE BANK — 2006
What RIVERS EDGE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 72,898,000 | 69,238,000 | 66,424,000 | 93,179,000 |
| Total loans | 54,033,000 | 54,782,000 | 52,715,000 | 50,728,000 |
| Allowance for loan losses | 583,000 | 547,000 | 549,000 | 551,000 |
| Securities available for sale | 4,192,000 | 3,993,000 | 3,848,000 | 30,712,000 |
| Securities held to maturity | 1,378,000 | 1,359,000 | 1,356,000 | 1,313,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,658,000 | 57,666,000 | 56,424,000 | 83,464,000 |
| Interest-bearing deposits | 46,438,000 | 49,143,000 | 47,251,000 | 71,695,000 |
| Noninterest-bearing deposits | 14,220,000 | 8,524,000 | 9,173,000 | 11,769,000 |
| Equity capital | 5,619,000 | 5,783,000 | 5,732,000 | 5,794,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,072,000 | 2,225,000 | 3,413,000 | 4,640,000 |
| Interest expense | 339,000 | 741,000 | 1,168,000 | 1,645,000 |
| Net interest income | 733,000 | 1,484,000 | 2,245,000 | 2,995,000 |
| Noninterest income | 170,000 | 377,000 | 627,000 | 2,261,000 |
| Noninterest expense | 715,000 | 1,453,000 | 2,191,000 | 3,781,000 |
| Provision for loan losses | 0 | 0 | 4,000 | 20,000 |
| Pretax income | 188,000 | 408,000 | 677,000 | 1,455,000 |
| Income tax | 47,000 | 95,000 | 186,000 | -75,000 |
| Net income | 141,000 | 313,000 | 491,000 | 1,530,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,287,000 | 5,464,000 | 5,402,000 | 5,462,000 |
| Total capital | 5,870,000 | 6,011,000 | 5,951,000 | 6,013,000 |
| Risk-weighted assets | 57,399,000 | 57,781,000 | 56,265,000 | 54,067,000 |