Call reports 2013
RIVERWOOD BANK — 2013
What RIVERWOOD BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 301,074,000 | 296,306,000 | 300,257,000 | 307,511,000 |
| Total loans | 220,079,000 | 222,059,000 | 229,759,000 | 233,240,000 |
| Allowance for loan losses | 3,735,000 | 3,802,000 | 3,655,000 | 3,603,000 |
| Securities available for sale | 14,863,000 | 13,414,000 | 16,356,000 | 15,585,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 251,595,000 | 247,570,000 | 250,493,000 | 260,622,000 |
| Interest-bearing deposits | 207,305,000 | 205,270,000 | 201,966,000 | 208,959,000 |
| Noninterest-bearing deposits | 44,290,000 | 42,300,000 | 48,527,000 | 51,663,000 |
| Equity capital | 32,405,000 | 32,568,000 | 32,807,000 | 32,887,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,865,000 | 5,698,000 | 8,567,000 | 11,489,000 |
| Interest expense | 523,000 | 988,000 | 1,424,000 | 1,872,000 |
| Net interest income | 2,342,000 | 4,710,000 | 7,143,000 | 9,617,000 |
| Noninterest income | 739,000 | 1,379,000 | 1,840,000 | 2,536,000 |
| Noninterest expense | 2,634,000 | 5,091,000 | 7,620,000 | 10,196,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 447,000 | 998,000 | 1,363,000 | 1,957,000 |
| Income tax | 167,000 | 377,000 | 515,000 | 744,000 |
| Net income | 280,000 | 621,000 | 848,000 | 1,213,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,527,000 | 28,976,000 | 29,416,000 | 29,834,000 |
| Total capital | 31,437,000 | 31,908,000 | 32,440,000 | 32,896,000 |
| Risk-weighted assets | 231,973,000 | 233,702,000 | 241,292,000 | 244,403,000 |
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