Call reports 2006
RIVER BANK & TRUST — 2006
What RIVER BANK & TRUST reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|
| Total assets | 51,122,000 | 74,230,000 | 109,461,000 |
| Total loans | 13,728,000 | 35,994,000 | 57,224,000 |
| Allowance for loan losses | 166,000 | 431,000 | 682,000 |
| Securities available for sale | 5,944,000 | 12,742,000 | 12,384,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 27,388,000 | 50,907,000 | 85,647,000 |
| Interest-bearing deposits | 21,520,000 | 42,469,000 | 74,776,000 |
| Noninterest-bearing deposits | 5,868,000 | 8,438,000 | 10,871,000 |
| Equity capital | 23,702,000 | 23,217,000 | 23,604,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|
| Interest income | 495,000 | 1,457,000 | 2,985,000 |
| Interest expense | 81,000 | 434,000 | 1,074,000 |
| Net interest income | 414,000 | 1,023,000 | 1,911,000 |
| Noninterest income | 7,000 | 37,000 | 128,000 |
| Noninterest expense | 1,277,000 | 2,158,000 | 3,120,000 |
| Provision for loan losses | 166,000 | 431,000 | 682,000 |
| Pretax income | -1,022,000 | -1,529,000 | -1,763,000 |
| Income tax | 0 | 0 | -674,000 |
| Net income | -1,022,000 | -1,529,000 | -1,089,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|
| Tier 1 capital | 23,722,000 | 23,264,000 | 23,662,000 |
| Total capital | 23,888,000 | 23,695,000 | 24,344,000 |
| Risk-weighted assets | 23,570,000 | 46,061,000 | 70,039,000 |