Call reports 2010
BANK OF RIVER OAKS, THE — 2010
What BANK OF RIVER OAKS, THE reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 260,621,000 | 251,632,000 | 258,378,000 | 253,361,000 |
| Total loans | 145,251,000 | 145,913,000 | 154,961,000 | 162,631,000 |
| Allowance for loan losses | 1,409,000 | 1,409,000 | 1,409,000 | 1,405,000 |
| Securities available for sale | 52,788,000 | 78,303,000 | 72,207,000 | 53,436,000 |
| Securities held to maturity | 0 | 7,007,000 | 6,992,000 | 6,976,000 |
| Trading assets | 249,000 | 125,000 | 62,000 | 95,000 |
| Total deposits | 167,707,000 | 166,317,000 | 166,614,000 | 174,410,000 |
| Interest-bearing deposits | 105,832,000 | 106,713,000 | 104,226,000 | 103,074,000 |
| Noninterest-bearing deposits | 61,875,000 | 59,604,000 | 62,388,000 | 71,336,000 |
| Equity capital | 27,193,000 | 31,312,000 | 32,182,000 | 32,377,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,700,000 | 5,369,000 | 8,176,000 | 11,014,000 |
| Interest expense | 539,000 | 1,028,000 | 1,494,000 | 1,926,000 |
| Net interest income | 2,161,000 | 4,341,000 | 6,682,000 | 9,088,000 |
| Noninterest income | -93,000 | -102,000 | -57,000 | 97,000 |
| Noninterest expense | 1,596,000 | 3,193,000 | 4,928,000 | 6,780,000 |
| Provision for loan losses | 43,000 | 43,000 | 43,000 | 43,000 |
| Pretax income | 509,000 | 1,083,000 | 2,069,000 | 3,032,000 |
| Income tax | 187,000 | 367,000 | 697,000 | 1,028,000 |
| Net income | 322,000 | 716,000 | 1,372,000 | 2,004,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,410,000 | 31,381,000 | 32,337,000 | 32,988,000 |
| Total capital | 28,819,000 | 32,790,000 | 33,746,000 | 34,393,000 |
| Risk-weighted assets | 158,448,000 | 165,481,000 | 167,882,000 | 167,074,000 |