Call reports 2014
RIVER TOWN BANK — 2014
What RIVER TOWN 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 | 152,700,000 | 150,974,000 | 149,955,000 | 148,181,000 |
| Total loans | 98,676,000 | 92,835,000 | 89,779,000 | 85,975,000 |
| Allowance for loan losses | 2,727,000 | 2,631,000 | 2,595,000 | 2,461,000 |
| Securities available for sale | 23,414,000 | 24,584,000 | 29,939,000 | 31,652,000 |
| Securities held to maturity | 17,016,000 | 14,565,000 | 12,204,000 | 11,553,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 132,430,000 | 130,573,000 | 129,654,000 | 127,714,000 |
| Interest-bearing deposits | 100,344,000 | 99,300,000 | 98,279,000 | 97,237,000 |
| Noninterest-bearing deposits | 32,086,000 | 31,273,000 | 31,375,000 | 30,477,000 |
| Equity capital | 16,389,000 | 16,528,000 | 16,546,000 | 16,838,000 |
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 | 1,371,000 | 2,733,000 | 4,066,000 | 5,356,000 |
| Interest expense | 151,000 | 267,000 | 380,000 | 492,000 |
| Net interest income | 1,220,000 | 2,466,000 | 3,686,000 | 4,864,000 |
| Noninterest income | 325,000 | 571,000 | 809,000 | 1,217,000 |
| Noninterest expense | 1,300,000 | 2,724,000 | 4,087,000 | 5,604,000 |
| Provision for loan losses | 100,000 | 100,000 | 100,000 | 100,000 |
| Pretax income | 145,000 | 215,000 | 310,000 | 379,000 |
| Income tax | 49,000 | 70,000 | 102,000 | 86,000 |
| Net income | 96,000 | 145,000 | 208,000 | 293,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,213,000 | 15,272,000 | 15,362,000 | 15,423,000 |
| Total capital | 16,392,000 | 16,398,000 | 16,462,000 | 16,494,000 |
| Risk-weighted assets | 92,770,000 | 88,545,000 | 86,487,000 | 84,253,000 |