Call reports 2010
RIVER BANK & TRUST — 2010
What RIVER BANK & TRUST reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 327,310,000 | 321,527,000 | 323,793,000 | 361,454,000 |
| Total loans | 210,260,000 | 213,291,000 | 208,261,000 | 209,647,000 |
| Allowance for loan losses | 3,454,000 | 3,150,000 | 3,698,000 | 3,571,000 |
| Securities available for sale | 43,848,000 | 41,262,000 | 57,781,000 | 63,812,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 292,726,000 | 282,279,000 | 285,926,000 | 323,941,000 |
| Interest-bearing deposits | 243,014,000 | 235,555,000 | 246,004,000 | 284,985,000 |
| Noninterest-bearing deposits | 49,712,000 | 46,724,000 | 39,923,000 | 38,956,000 |
| Equity capital | 26,751,000 | 31,347,000 | 32,490,000 | 32,497,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 3,688,000 | 7,536,000 | 11,426,000 | 15,356,000 |
| Interest expense | 980,000 | 1,939,000 | 2,828,000 | 3,629,000 |
| Net interest income | 2,708,000 | 5,597,000 | 8,598,000 | 11,727,000 |
| Noninterest income | 249,000 | 501,000 | 831,000 | 1,065,000 |
| Noninterest expense | 2,322,000 | 4,394,000 | 6,736,000 | 8,600,000 |
| Provision for loan losses | 420,000 | 1,170,000 | 1,900,000 | 2,400,000 |
| Pretax income | 211,000 | 586,000 | 1,039,000 | 2,046,000 |
| Income tax | 86,000 | 246,000 | 418,000 | 794,000 |
| Net income | 125,000 | 340,000 | 621,000 | 1,252,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,600,000 | 30,815,000 | 32,406,000 | 32,972,000 |
| Total capital | 29,441,000 | 33,605,000 | 35,178,000 | 35,892,000 |
| Risk-weighted assets | 225,896,000 | 222,102,000 | 224,127,000 | 232,970,000 |