Call reports 2006
BANK OF RIVER OAKS, THE — 2006
What BANK OF RIVER OAKS, THE 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 | 43,690,000 | 49,757,000 | 58,950,000 | 77,304,000 |
| Total loans | 10,843,000 | 13,141,000 | 17,683,000 | 28,388,000 |
| Allowance for loan losses | 141,000 | 205,000 | 275,000 | 310,000 |
| Securities available for sale | 21,461,000 | 21,383,000 | 23,517,000 | 23,533,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,399,000 | 29,593,000 | 38,904,000 | 47,919,000 |
| Interest-bearing deposits | 19,528,000 | 23,822,000 | 32,083,000 | 38,245,000 |
| Noninterest-bearing deposits | 3,871,000 | 5,771,000 | 6,821,000 | 9,674,000 |
| Equity capital | 20,272,000 | 20,090,000 | 19,867,000 | 19,633,000 |
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 | 502,000 | 1,110,000 | 1,886,000 | 2,882,000 |
| Interest expense | 125,000 | 298,000 | 587,000 | 954,000 |
| Net interest income | 377,000 | 812,000 | 1,299,000 | 1,928,000 |
| Noninterest income | 2,000 | 4,000 | 8,000 | 13,000 |
| Noninterest expense | 478,000 | 1,018,000 | 1,699,000 | 2,538,000 |
| Provision for loan losses | 116,000 | 180,000 | 250,000 | 285,000 |
| Pretax income | -215,000 | -382,000 | -642,000 | -882,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -215,000 | -382,000 | -642,000 | -882,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,297,000 | 20,129,000 | 19,865,000 | 19,642,000 |
| Total capital | 20,438,000 | 20,334,000 | 20,140,000 | 19,952,000 |
| Risk-weighted assets | 18,897,000 | 23,520,000 | 31,567,000 | 43,212,000 |