Call reports 2014
RIVERWOOD BANK — 2014
What RIVERWOOD 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 | 306,671,000 | 314,667,000 | 317,301,000 | 319,997,000 |
| Total loans | 234,296,000 | 237,429,000 | 244,302,000 | 252,635,000 |
| Allowance for loan losses | 3,541,000 | 3,582,000 | 3,389,000 | 3,353,000 |
| Securities available for sale | 14,987,000 | 11,326,000 | 10,739,000 | 11,458,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 258,418,000 | 265,401,000 | 268,509,000 | 268,988,000 |
| Interest-bearing deposits | 215,114,000 | 213,341,000 | 215,388,000 | 211,722,000 |
| Noninterest-bearing deposits | 43,304,000 | 52,060,000 | 53,121,000 | 57,266,000 |
| Equity capital | 32,937,000 | 33,173,000 | 31,634,000 | 32,149,000 |
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 | 2,824,000 | 5,835,000 | 8,789,000 | 11,833,000 |
| Interest expense | 399,000 | 787,000 | 1,184,000 | 1,587,000 |
| Net interest income | 2,425,000 | 5,048,000 | 7,605,000 | 10,246,000 |
| Noninterest income | 449,000 | 1,160,000 | 1,223,000 | 1,914,000 |
| Noninterest expense | 2,471,000 | 5,090,000 | 7,767,000 | 10,247,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 403,000 | 1,126,000 | 1,069,000 | 2,058,000 |
| Income tax | 154,000 | 435,000 | 401,000 | 794,000 |
| Net income | 249,000 | 691,000 | 668,000 | 1,264,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,087,000 | 30,678,000 | 29,093,000 | 29,867,000 |
| Total capital | 33,161,000 | 33,765,000 | 32,225,000 | 33,091,000 |
| Risk-weighted assets | 245,440,000 | 246,494,000 | 250,335,000 | 257,772,000 |
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