Call reports 2009
RIVER BANK & TRUST — 2009
What RIVER BANK & TRUST reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 247,924,000 | 258,843,000 | 280,935,000 | 303,494,000 |
| Total loans | 177,975,000 | 194,396,000 | 209,095,000 | 210,595,000 |
| Allowance for loan losses | 2,278,000 | 2,511,000 | 2,453,000 | 3,039,000 |
| Securities available for sale | 33,425,000 | 36,286,000 | 37,358,000 | 39,574,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 213,965,000 | 222,756,000 | 245,986,000 | 268,613,000 |
| Interest-bearing deposits | 173,928,000 | 193,307,000 | 209,178,000 | 201,197,000 |
| Noninterest-bearing deposits | 40,037,000 | 29,449,000 | 36,808,000 | 67,417,000 |
| Equity capital | 25,622,000 | 25,571,000 | 25,936,000 | 25,846,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,053,000 | 6,269,000 | 9,798,000 | 13,382,000 |
| Interest expense | 1,165,000 | 2,199,000 | 3,266,000 | 4,258,000 |
| Net interest income | 1,888,000 | 4,070,000 | 6,532,000 | 9,124,000 |
| Noninterest income | 120,000 | 258,000 | 456,000 | 816,000 |
| Noninterest expense | 1,615,000 | 3,597,000 | 5,540,000 | 7,676,000 |
| Provision for loan losses | 276,000 | 715,000 | 1,126,000 | 1,725,000 |
| Pretax income | 213,000 | 374,000 | 700,000 | 996,000 |
| Income tax | 91,000 | 151,000 | 305,000 | 466,000 |
| Net income | 122,000 | 223,000 | 395,000 | 530,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,129,000 | 25,248,000 | 25,489,000 | 25,742,000 |
| Total capital | 27,407,000 | 27,759,000 | 27,942,000 | 28,539,000 |
| Risk-weighted assets | 197,996,000 | 209,081,000 | 228,209,000 | 223,482,000 |