Call reports 2011
RIVER BANK & TRUST — 2011
What RIVER BANK & TRUST reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 349,014,000 | 357,726,000 | 351,383,000 | 373,135,000 |
| Total loans | 205,288,000 | 206,657,000 | 208,345,000 | 216,093,000 |
| Allowance for loan losses | 3,412,000 | 3,425,000 | 3,745,000 | 3,791,000 |
| Securities available for sale | 82,428,000 | 91,650,000 | 98,588,000 | 111,227,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 311,603,000 | 316,677,000 | 310,794,000 | 329,846,000 |
| Interest-bearing deposits | 269,361,000 | 270,836,000 | 266,570,000 | 276,742,000 |
| Noninterest-bearing deposits | 42,242,000 | 45,840,000 | 44,224,000 | 53,105,000 |
| Equity capital | 32,962,000 | 34,281,000 | 35,447,000 | 36,111,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 3,809,000 | 7,628,000 | 11,533,000 | 15,396,000 |
| Interest expense | 733,000 | 1,364,000 | 1,958,000 | 2,500,000 |
| Net interest income | 3,076,000 | 6,264,000 | 9,575,000 | 12,896,000 |
| Noninterest income | 287,000 | 713,000 | 1,155,000 | 1,565,000 |
| Noninterest expense | 2,003,000 | 4,400,000 | 6,851,000 | 9,265,000 |
| Provision for loan losses | 775,000 | 1,137,000 | 1,487,000 | 1,837,000 |
| Pretax income | 589,000 | 1,438,000 | 2,403,000 | 3,419,000 |
| Income tax | 226,000 | 559,000 | 854,000 | 1,197,000 |
| Net income | 363,000 | 879,000 | 1,549,000 | 2,222,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,563,000 | 34,297,000 | 35,021,000 | 35,744,000 |
| Total capital | 36,421,000 | 37,191,000 | 37,935,000 | 38,831,000 |
| Risk-weighted assets | 228,058,000 | 232,047,000 | 233,237,000 | 246,676,000 |