Call reports 2017
RIVERWOOD BANK — 2017
What RIVERWOOD BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 362,533,000 | 379,620,000 | 387,724,000 | 388,850,000 |
| Total loans | 284,771,000 | 293,354,000 | 297,061,000 | 300,889,000 |
| Allowance for loan losses | 3,469,000 | 3,586,000 | 3,594,000 | 3,693,000 |
| Securities available for sale | 34,978,000 | 36,798,000 | 38,292,000 | 43,211,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 304,571,000 | 318,372,000 | 326,763,000 | 326,650,000 |
| Interest-bearing deposits | 253,572,000 | 266,585,000 | 270,874,000 | 270,123,000 |
| Noninterest-bearing deposits | 50,999,000 | 51,787,000 | 55,889,000 | 56,527,000 |
| Equity capital | 33,810,000 | 34,489,000 | 34,953,000 | 35,262,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 3,502,000 | 7,222,000 | 11,031,000 | 14,938,000 |
| Interest expense | 509,000 | 1,099,000 | 1,729,000 | 2,344,000 |
| Net interest income | 2,993,000 | 6,123,000 | 9,302,000 | 12,594,000 |
| Noninterest income | 654,000 | 1,319,000 | 1,892,000 | 2,651,000 |
| Noninterest expense | 2,661,000 | 5,416,000 | 8,190,000 | 10,952,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 911,000 | 1,876,000 | 2,779,000 | 3,993,000 |
| Income tax | 350,000 | 717,000 | 1,063,000 | 1,834,000 |
| Net income | 561,000 | 1,159,000 | 1,716,000 | 2,159,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,735,000 | 32,323,000 | 32,866,000 | 33,424,000 |
| Total capital | 35,204,000 | 35,909,000 | 36,460,000 | 37,117,000 |
| Risk-weighted assets | 289,218,000 | 296,592,000 | 301,442,000 | 304,938,000 |
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