Call reports 2015
ROOT RIVER STATE BANK — 2015
What ROOT RIVER STATE BANK 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 | 67,338,000 | 68,434,000 | 67,504,000 | 69,025,000 |
| Total loans | 32,496,000 | 35,959,000 | 36,226,000 | 34,840,000 |
| Allowance for loan losses | 291,000 | 290,000 | 291,000 | 237,000 |
| Securities available for sale | 16,909,000 | 15,447,000 | 15,259,000 | 15,137,000 |
| Securities held to maturity | 9,417,000 | 9,586,000 | 9,775,000 | 10,497,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,632,000 | 59,418,000 | 59,698,000 | 61,218,000 |
| Interest-bearing deposits | 55,665,000 | 55,385,000 | 55,540,000 | 55,986,000 |
| Noninterest-bearing deposits | 3,967,000 | 4,033,000 | 4,158,000 | 5,232,000 |
| Equity capital | 7,527,000 | 7,463,000 | 7,646,000 | 7,728,000 |
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 | 516,000 | 1,072,000 | 1,629,000 | 2,176,000 |
| Interest expense | 51,000 | 101,000 | 152,000 | 202,000 |
| Net interest income | 465,000 | 971,000 | 1,477,000 | 1,974,000 |
| Noninterest income | 41,000 | 75,000 | 110,000 | 142,000 |
| Noninterest expense | 425,000 | 860,000 | 1,293,000 | 1,740,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 81,000 | 191,000 | 299,000 | 381,000 |
| Income tax | 10,000 | 32,000 | 53,000 | 54,000 |
| Net income | 71,000 | 159,000 | 246,000 | 327,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,415,000 | 7,503,000 | 7,686,000 | 7,613,000 |
| Total capital | 7,706,000 | 7,793,000 | 7,977,000 | 7,850,000 |
| Risk-weighted assets | 39,911,000 | 41,683,000 | 41,376,000 | 42,628,000 |