Call reports 2008
RIVER BANK & TRUST — 2008
What RIVER BANK & TRUST reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 197,409,000 | 201,745,000 | 226,996,000 | 244,972,000 |
| Total loans | 130,027,000 | 139,452,000 | 158,942,000 | 172,984,000 |
| Allowance for loan losses | 1,651,000 | 1,471,000 | 1,744,000 | 2,150,000 |
| Securities available for sale | 34,423,000 | 32,968,000 | 32,929,000 | 32,422,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 172,275,000 | 172,542,000 | 189,230,000 | 204,135,000 |
| Interest-bearing deposits | 145,840,000 | 151,464,000 | 144,941,000 | 162,542,000 |
| Noninterest-bearing deposits | 26,435,000 | 21,078,000 | 44,289,000 | 41,593,000 |
| Equity capital | 24,639,000 | 24,470,000 | 24,943,000 | 25,243,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,004,000 | 5,843,000 | 8,832,000 | 11,917,000 |
| Interest expense | 1,352,000 | 2,501,000 | 3,611,000 | 4,791,000 |
| Net interest income | 1,652,000 | 3,342,000 | 5,221,000 | 7,126,000 |
| Noninterest income | 140,000 | 279,000 | 412,000 | 618,000 |
| Noninterest expense | 1,437,000 | 2,893,000 | 4,503,000 | 5,845,000 |
| Provision for loan losses | 295,000 | 440,000 | 715,000 | 1,143,000 |
| Pretax income | 201,000 | 429,000 | 567,000 | 970,000 |
| Income tax | 44,000 | 120,000 | 178,000 | 367,000 |
| Net income | 157,000 | 309,000 | 389,000 | 603,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,237,000 | 24,504,000 | 24,759,000 | 24,989,000 |
| Total capital | 25,888,000 | 25,975,000 | 26,503,000 | 27,139,000 |
| Risk-weighted assets | 139,076,000 | 150,405,000 | 182,624,000 | 194,252,000 |