Call reports 2015
RIVERWOOD BANK — 2015
What RIVERWOOD 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 | 315,112,000 | 317,602,000 | 329,047,000 | 335,257,000 |
| Total loans | 246,462,000 | 253,252,000 | 266,021,000 | 266,053,000 |
| Allowance for loan losses | 3,277,000 | 3,275,000 | 3,275,000 | 3,234,000 |
| Securities available for sale | 12,378,000 | 12,130,000 | 11,971,000 | 15,300,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 264,464,000 | 266,915,000 | 275,556,000 | 281,385,000 |
| Interest-bearing deposits | 217,054,000 | 220,523,000 | 223,070,000 | 227,677,000 |
| Noninterest-bearing deposits | 47,410,000 | 46,392,000 | 52,486,000 | 53,708,000 |
| Equity capital | 32,663,000 | 32,850,000 | 32,611,000 | 32,576,000 |
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 | 2,912,000 | 5,936,000 | 9,010,000 | 12,283,000 |
| Interest expense | 385,000 | 773,000 | 1,188,000 | 1,609,000 |
| Net interest income | 2,527,000 | 5,163,000 | 7,822,000 | 10,674,000 |
| Noninterest income | 654,000 | 1,282,000 | 1,612,000 | 2,039,000 |
| Noninterest expense | 2,451,000 | 4,951,000 | 7,636,000 | 10,134,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 730,000 | 1,494,000 | 1,798,000 | 2,579,000 |
| Income tax | 269,000 | 562,000 | 678,000 | 988,000 |
| Net income | 461,000 | 932,000 | 1,120,000 | 1,591,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,322,000 | 30,543,000 | 30,281,000 | 30,297,000 |
| Total capital | 33,450,000 | 33,726,000 | 33,549,000 | 33,531,000 |
| Risk-weighted assets | 250,161,000 | 254,520,000 | 261,404,000 | 263,050,000 |