Call reports 2009
BANK OF RIVER OAKS, THE — 2009
What BANK OF RIVER OAKS, THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 189,019,000 | 202,936,000 | 215,357,000 | 246,540,000 |
| Total loans | 135,013,000 | 142,233,000 | 145,567,000 | 148,351,000 |
| Allowance for loan losses | 1,087,000 | 1,326,000 | 1,366,000 | 1,366,000 |
| Securities available for sale | 27,762,000 | 25,418,000 | 31,052,000 | 65,039,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 108,000 | 230,000 | 175,000 | 445,000 |
| Total deposits | 145,413,000 | 157,485,000 | 165,406,000 | 162,910,000 |
| Interest-bearing deposits | 108,278,000 | 113,035,000 | 120,582,000 | 116,402,000 |
| Noninterest-bearing deposits | 37,134,000 | 44,450,000 | 44,824,000 | 46,508,000 |
| Equity capital | 22,045,000 | 22,312,000 | 22,662,000 | 23,217,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,277,000 | 4,588,000 | 7,007,000 | 9,723,000 |
| Interest expense | 439,000 | 880,000 | 1,317,000 | 1,890,000 |
| Net interest income | 1,838,000 | 3,708,000 | 5,690,000 | 7,833,000 |
| Noninterest income | -32,000 | 169,000 | 195,000 | 293,000 |
| Noninterest expense | 1,422,000 | 2,882,000 | 4,590,000 | 6,185,000 |
| Provision for loan losses | 0 | 239,000 | 369,000 | 279,000 |
| Pretax income | 563,000 | 972,000 | 1,175,000 | 1,978,000 |
| Income tax | 0 | 192,000 | 338,000 | 73,000 |
| Net income | 563,000 | 780,000 | 837,000 | 1,905,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,254,000 | 22,624,000 | 22,704,000 | 23,780,000 |
| Total capital | 23,341,000 | 23,950,000 | 24,070,000 | 25,146,000 |
| Risk-weighted assets | 137,331,000 | 149,458,000 | 155,157,000 | 163,589,000 |