Call reports 2007
BANK OF RIVER OAKS, THE — 2007
What BANK OF RIVER OAKS, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 83,449,000 | 96,022,000 | 106,569,000 | 115,461,000 |
| Total loans | 40,627,000 | 43,344,000 | 51,930,000 | 59,088,000 |
| Allowance for loan losses | 290,000 | 297,000 | 360,000 | 395,000 |
| Securities available for sale | 24,731,000 | 33,742,000 | 35,605,000 | 39,799,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,997,000 | 67,571,000 | 77,881,000 | 84,654,000 |
| Interest-bearing deposits | 41,992,000 | 51,712,000 | 60,105,000 | 59,305,000 |
| Noninterest-bearing deposits | 12,005,000 | 15,859,000 | 17,776,000 | 25,349,000 |
| Equity capital | 20,114,000 | 19,883,000 | 20,186,000 | 20,370,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,218,000 | 2,600,000 | 4,196,000 | 5,893,000 |
| Interest expense | 457,000 | 996,000 | 1,628,000 | 2,246,000 |
| Net interest income | 761,000 | 1,604,000 | 2,568,000 | 3,647,000 |
| Noninterest income | 6,000 | 15,000 | 28,000 | 50,000 |
| Noninterest expense | 784,000 | 1,620,000 | 2,532,000 | 3,611,000 |
| Provision for loan losses | -20,000 | -13,000 | 50,000 | 85,000 |
| Pretax income | 3,000 | 12,000 | 14,000 | 21,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 3,000 | 12,000 | 14,000 | 21,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,107,000 | 20,202,000 | 20,218,000 | 20,240,000 |
| Total capital | 20,397,000 | 20,499,000 | 20,578,000 | 20,635,000 |
| Risk-weighted assets | 53,099,000 | 60,217,000 | 67,711,000 | 74,080,000 |