Call reports 2007
RIVER BANK & TRUST — 2007
What RIVER BANK & TRUST reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 154,574,000 | 164,631,000 | 168,103,000 | 193,022,000 |
| Total loans | 75,941,000 | 96,567,000 | 110,326,000 | 119,170,000 |
| Allowance for loan losses | 912,000 | 1,150,000 | 1,316,000 | 1,427,000 |
| Securities available for sale | 35,784,000 | 31,437,000 | 31,498,000 | 32,108,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 130,747,000 | 140,946,000 | 143,754,000 | 168,242,000 |
| Interest-bearing deposits | 119,241,000 | 122,581,000 | 120,455,000 | 143,996,000 |
| Noninterest-bearing deposits | 11,506,000 | 18,366,000 | 23,299,000 | 24,246,000 |
| Equity capital | 23,549,000 | 23,336,000 | 23,892,000 | 24,166,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,167,000 | 4,897,000 | 7,770,000 | 10,759,000 |
| Interest expense | 1,044,000 | 2,439,000 | 3,809,000 | 5,198,000 |
| Net interest income | 1,123,000 | 2,458,000 | 3,961,000 | 5,561,000 |
| Noninterest income | 113,000 | 266,000 | 413,000 | 608,000 |
| Noninterest expense | 1,083,000 | 2,319,000 | 3,579,000 | 4,878,000 |
| Provision for loan losses | 230,000 | 477,000 | 642,000 | 859,000 |
| Pretax income | -77,000 | -72,000 | 151,000 | 430,000 |
| Income tax | 0 | 0 | 0 | 185,000 |
| Net income | -77,000 | -72,000 | 151,000 | 245,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,599,000 | 23,619,000 | 23,856,000 | 23,965,000 |
| Total capital | 24,511,000 | 24,769,000 | 25,172,000 | 25,392,000 |
| Risk-weighted assets | 94,209,000 | 112,411,000 | 113,928,000 | 140,240,000 |