Call reports 2011
BANK OF RIVER OAKS, THE — 2011
What BANK OF RIVER OAKS, THE reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 247,305,000 | 254,818,000 | 243,736,000 | 260,181,000 |
| Total loans | 168,771,000 | 180,122,000 | 180,143,000 | 201,240,000 |
| Allowance for loan losses | 1,470,000 | 1,470,000 | 1,459,000 | 1,459,000 |
| Securities available for sale | 36,543,000 | 42,204,000 | 40,462,000 | 36,002,000 |
| Securities held to maturity | 6,961,000 | 6,945,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 183,129,000 | 185,198,000 | 185,905,000 | 204,681,000 |
| Interest-bearing deposits | 107,102,000 | 111,629,000 | 113,001,000 | 125,257,000 |
| Noninterest-bearing deposits | 76,027,000 | 73,569,000 | 72,904,000 | 79,424,000 |
| Equity capital | 32,412,000 | 33,258,000 | 33,479,000 | 33,750,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,804,000 | 5,820,000 | 8,864,000 | 11,952,000 |
| Interest expense | 294,000 | 577,000 | 850,000 | 1,082,000 |
| Net interest income | 2,510,000 | 5,243,000 | 8,014,000 | 10,870,000 |
| Noninterest income | 62,000 | 139,000 | 209,000 | 353,000 |
| Noninterest expense | 1,987,000 | 4,000,000 | 6,068,000 | 7,899,000 |
| Provision for loan losses | 65,000 | 65,000 | 65,000 | 65,000 |
| Pretax income | 647,000 | 1,462,000 | 2,929,000 | 4,248,000 |
| Income tax | 226,000 | 513,000 | 1,020,000 | 1,479,000 |
| Net income | 421,000 | 949,000 | 1,909,000 | 2,769,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,907,000 | 33,350,000 | 33,416,000 | 33,737,000 |
| Total capital | 34,377,000 | 34,820,000 | 34,876,000 | 35,197,000 |
| Risk-weighted assets | 169,212,000 | 180,744,000 | 185,144,000 | 207,412,000 |