Call reports 2012
BANK OF RIVER OAKS, THE — 2012
What BANK OF RIVER OAKS, THE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 277,679,000 | 294,973,000 | 305,866,000 | 348,687,000 |
| Total loans | 206,541,000 | 218,006,000 | 228,087,000 | 244,417,000 |
| Allowance for loan losses | 1,519,000 | 1,859,000 | 1,926,000 | 2,076,000 |
| Securities available for sale | 30,628,000 | 23,727,000 | 18,518,000 | 21,677,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 228,384,000 | 246,060,000 | 254,605,000 | 289,744,000 |
| Interest-bearing deposits | 136,073,000 | 147,483,000 | 154,608,000 | 163,370,000 |
| Noninterest-bearing deposits | 92,311,000 | 98,577,000 | 99,997,000 | 126,374,000 |
| Equity capital | 34,517,000 | 35,084,000 | 35,843,000 | 35,945,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 3,268,000 | 6,566,000 | 9,967,000 | 13,577,000 |
| Interest expense | 222,000 | 453,000 | 691,000 | 918,000 |
| Net interest income | 3,046,000 | 6,113,000 | 9,276,000 | 12,659,000 |
| Noninterest income | 113,000 | 252,000 | 374,000 | 488,000 |
| Noninterest expense | 2,109,000 | 4,231,000 | 6,446,000 | 8,495,000 |
| Provision for loan losses | 60,000 | 400,000 | 550,000 | 700,000 |
| Pretax income | 1,148,000 | 2,010,000 | 2,987,000 | 4,392,000 |
| Income tax | 396,000 | 693,000 | 1,033,000 | 1,547,000 |
| Net income | 752,000 | 1,317,000 | 1,954,000 | 2,845,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,506,000 | 35,089,000 | 35,744,000 | 36,045,000 |
| Total capital | 36,025,000 | 36,948,000 | 37,670,000 | 38,121,000 |
| Risk-weighted assets | 212,763,000 | 222,021,000 | 230,469,000 | 245,758,000 |