Call reports 2015
BANK OF RIO VISTA — 2015
What BANK OF RIO VISTA reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 198,184,000 | 195,848,000 | 201,320,000 | 211,769,000 |
| Total loans | 65,144,000 | 65,702,000 | 69,437,000 | 67,231,000 |
| Allowance for loan losses | 1,439,000 | 1,336,000 | 1,336,000 | 1,289,000 |
| Securities available for sale | 115,053,000 | 108,475,000 | 104,888,000 | 114,891,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 167,321,000 | 166,256,000 | 174,910,000 | 184,302,000 |
| Interest-bearing deposits | 123,608,000 | 126,197,000 | 129,216,000 | 132,950,000 |
| Noninterest-bearing deposits | 43,713,000 | 40,059,000 | 45,694,000 | 51,352,000 |
| Equity capital | 25,431,000 | 24,699,000 | 25,408,000 | 25,880,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,307,000 | 2,689,000 | 4,119,000 | 5,586,000 |
| Interest expense | 69,000 | 141,000 | 215,000 | 290,000 |
| Net interest income | 1,238,000 | 2,548,000 | 3,904,000 | 5,296,000 |
| Noninterest income | 218,000 | 482,000 | 715,000 | 2,152,000 |
| Noninterest expense | 1,318,000 | 2,735,000 | 4,061,000 | 5,447,000 |
| Provision for loan losses | -34,000 | -51,000 | -64,000 | -77,000 |
| Pretax income | 172,000 | 383,000 | 682,000 | 2,145,000 |
| Income tax | 13,000 | 47,000 | 117,000 | 674,000 |
| Net income | 159,000 | 336,000 | 565,000 | 1,471,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,738,000 | 22,866,000 | 23,027,000 | 23,933,000 |
| Total capital | 24,042,000 | 24,191,000 | 24,411,000 | 25,270,000 |
| Risk-weighted assets | 104,101,000 | 104,919,000 | 109,978,000 | 109,671,000 |