Call reports 2008
BANK OF RIVER OAKS, THE — 2008
What BANK OF RIVER OAKS, THE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 123,004,000 | 140,047,000 | 163,951,000 | 181,781,000 |
| Total loans | 65,522,000 | 87,129,000 | 109,193,000 | 127,048,000 |
| Allowance for loan losses | 657,000 | 1,001,000 | 1,087,000 | 1,087,000 |
| Securities available for sale | 39,836,000 | 28,721,000 | 32,407,000 | 31,869,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,056,000 | 104,945,000 | 123,589,000 | 139,374,000 |
| Interest-bearing deposits | 69,142,000 | 76,668,000 | 95,966,000 | 102,069,000 |
| Noninterest-bearing deposits | 22,914,000 | 28,277,000 | 27,623,000 | 37,304,000 |
| Equity capital | 20,452,000 | 19,695,000 | 19,807,000 | 21,952,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,652,000 | 3,381,000 | 5,349,000 | 7,520,000 |
| Interest expense | 539,000 | 1,026,000 | 1,605,000 | 2,175,000 |
| Net interest income | 1,113,000 | 2,355,000 | 3,744,000 | 5,345,000 |
| Noninterest income | 28,000 | 51,000 | 82,000 | 128,000 |
| Noninterest expense | 1,150,000 | 2,477,000 | 3,761,000 | 5,086,000 |
| Provision for loan losses | 262,000 | 606,000 | 692,000 | 692,000 |
| Pretax income | 2,000 | -347,000 | -286,000 | 75,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,000 | -347,000 | -286,000 | 75,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,257,000 | 19,926,000 | 20,004,000 | 21,660,000 |
| Total capital | 20,914,000 | 20,927,000 | 21,091,000 | 22,747,000 |
| Risk-weighted assets | 83,086,000 | 101,981,000 | 119,940,000 | 136,227,000 |