Call reports 2012
RIVERWOOD BANK — 2012
What RIVERWOOD BANK 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 | 158,856,000 | 158,664,000 | 155,865,000 | 153,880,000 |
| Total loans | 104,672,000 | 104,395,000 | 104,614,000 | 108,938,000 |
| Allowance for loan losses | 2,100,000 | 2,105,000 | 1,948,000 | 1,874,000 |
| Securities available for sale | 14,296,000 | 13,545,000 | 13,752,000 | 13,714,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 133,092,000 | 133,147,000 | 131,157,000 | 129,154,000 |
| Interest-bearing deposits | 120,749,000 | 120,879,000 | 119,534,000 | 119,079,000 |
| Noninterest-bearing deposits | 12,343,000 | 12,268,000 | 11,623,000 | 10,075,000 |
| Equity capital | 15,580,000 | 15,561,000 | 15,718,000 | 15,868,000 |
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 | 1,542,000 | 3,027,000 | 4,610,000 | 6,062,000 |
| Interest expense | 474,000 | 923,000 | 1,352,000 | 1,736,000 |
| Net interest income | 1,068,000 | 2,104,000 | 3,258,000 | 4,326,000 |
| Noninterest income | 176,000 | 64,000 | 188,000 | 443,000 |
| Noninterest expense | 1,035,000 | 2,063,000 | 3,145,000 | 4,144,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 209,000 | 105,000 | 301,000 | 625,000 |
| Income tax | 81,000 | 35,000 | 110,000 | 241,000 |
| Net income | 128,000 | 70,000 | 191,000 | 384,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,291,000 | 13,351,000 | 13,574,000 | 13,768,000 |
| Total capital | 14,623,000 | 14,676,000 | 14,912,000 | 15,160,000 |
| Risk-weighted assets | 105,774,000 | 105,258,000 | 106,444,000 | 110,839,000 |
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