Call reports 2012
RIVER BANK & TRUST — 2012
What RIVER BANK & TRUST reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 380,570,000 | 382,125,000 | 388,465,000 | 422,056,000 |
| Total loans | 212,684,000 | 212,761,000 | 221,667,000 | 224,831,000 |
| Allowance for loan losses | 4,561,000 | 3,652,000 | 3,696,000 | 3,873,000 |
| Securities available for sale | 120,557,000 | 118,529,000 | 122,743,000 | 127,380,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 336,091,000 | 339,177,000 | 344,117,000 | 374,955,000 |
| Interest-bearing deposits | 284,645,000 | 283,389,000 | 284,028,000 | 294,110,000 |
| Noninterest-bearing deposits | 51,445,000 | 55,788,000 | 60,089,000 | 80,845,000 |
| Equity capital | 36,441,000 | 37,805,000 | 38,914,000 | 38,668,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 3,725,000 | 7,496,000 | 11,261,000 | 15,069,000 |
| Interest expense | 539,000 | 1,055,000 | 1,547,000 | 1,989,000 |
| Net interest income | 3,186,000 | 6,441,000 | 9,714,000 | 13,080,000 |
| Noninterest income | 501,000 | 964,000 | 1,392,000 | 1,944,000 |
| Noninterest expense | 2,342,000 | 4,822,000 | 7,047,000 | 9,639,000 |
| Provision for loan losses | 382,000 | 532,000 | 1,072,000 | 1,565,000 |
| Pretax income | 964,000 | 2,052,000 | 2,988,000 | 3,864,000 |
| Income tax | 315,000 | 675,000 | 987,000 | 1,221,000 |
| Net income | 649,000 | 1,377,000 | 2,001,000 | 2,643,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,181,000 | 36,978,000 | 37,610,000 | 37,688,000 |
| Total capital | 39,240,000 | 40,039,000 | 40,743,000 | 40,905,000 |
| Risk-weighted assets | 243,228,000 | 244,297,000 | 250,074,000 | 256,705,000 |