Call reports 2014
ROOT RIVER STATE BANK — 2014
What ROOT RIVER STATE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 68,815,000 | 67,644,000 | 67,194,000 | 66,933,000 |
| Total loans | 31,434,000 | 32,407,000 | 33,218,000 | 32,266,000 |
| Allowance for loan losses | 308,000 | 309,000 | 290,000 | 290,000 |
| Securities available for sale | 19,757,000 | 18,878,000 | 18,470,000 | 17,603,000 |
| Securities held to maturity | 5,678,000 | 7,014,000 | 7,375,000 | 8,518,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,786,000 | 60,469,000 | 59,802,000 | 59,507,000 |
| Interest-bearing deposits | 55,777,000 | 56,364,000 | 55,559,000 | 54,831,000 |
| Noninterest-bearing deposits | 6,009,000 | 4,105,000 | 4,243,000 | 4,677,000 |
| Equity capital | 6,922,000 | 7,122,000 | 7,278,000 | 7,374,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 540,000 | 1,073,000 | 1,621,000 | 2,152,000 |
| Interest expense | 58,000 | 114,000 | 170,000 | 224,000 |
| Net interest income | 482,000 | 959,000 | 1,451,000 | 1,928,000 |
| Noninterest income | 37,000 | 74,000 | 109,000 | 144,000 |
| Noninterest expense | 441,000 | 870,000 | 1,285,000 | 1,748,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 78,000 | 163,000 | 290,000 | 347,000 |
| Income tax | 8,000 | 21,000 | 50,000 | 42,000 |
| Net income | 70,000 | 142,000 | 240,000 | 305,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,109,000 | 7,181,000 | 7,279,000 | 7,344,000 |
| Total capital | 7,417,000 | 7,490,000 | 7,569,000 | 7,634,000 |
| Risk-weighted assets | 38,023,000 | 38,565,000 | 42,021,000 | 38,297,000 |