Call reports 2016
RIVERWOOD BANK — 2016
What RIVERWOOD BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 338,499,000 | 333,525,000 | 346,331,000 | 355,296,000 |
| Total loans | 267,233,000 | 265,820,000 | 270,345,000 | 278,775,000 |
| Allowance for loan losses | 3,227,000 | 3,226,000 | 3,231,000 | 3,392,000 |
| Securities available for sale | 19,327,000 | 18,017,000 | 25,985,000 | 33,327,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 283,852,000 | 278,359,000 | 291,178,000 | 295,724,000 |
| Interest-bearing deposits | 232,582,000 | 230,704,000 | 239,194,000 | 244,155,000 |
| Noninterest-bearing deposits | 51,270,000 | 47,655,000 | 51,984,000 | 51,569,000 |
| Equity capital | 32,930,000 | 33,417,000 | 33,325,000 | 33,678,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,255,000 | 6,531,000 | 9,837,000 | 13,242,000 |
| Interest expense | 426,000 | 877,000 | 1,333,000 | 1,798,000 |
| Net interest income | 2,829,000 | 5,654,000 | 8,504,000 | 11,444,000 |
| Noninterest income | 359,000 | 909,000 | 1,154,000 | 1,893,000 |
| Noninterest expense | 2,650,000 | 5,132,000 | 7,624,000 | 10,162,000 |
| Provision for loan losses | 0 | 0 | 0 | 75,000 |
| Pretax income | 545,000 | 1,509,000 | 2,112,000 | 3,178,000 |
| Income tax | 211,000 | 591,000 | 809,000 | 1,221,000 |
| Net income | 334,000 | 918,000 | 1,303,000 | 1,957,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,632,000 | 31,119,000 | 31,045,000 | 31,674,000 |
| Total capital | 33,859,000 | 34,345,000 | 34,276,000 | 35,066,000 |
| Risk-weighted assets | 265,906,000 | 265,959,000 | 270,487,000 | 280,544,000 |