Call reports 2015
RIVER TOWN BANK — 2015
What RIVER TOWN 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 | 149,799,000 | 148,958,000 | 144,925,000 | 143,602,000 |
| Total loans | 83,369,000 | 84,461,000 | 87,397,000 | 87,938,000 |
| Allowance for loan losses | 2,103,000 | 2,200,000 | 2,056,000 | 1,725,000 |
| Securities available for sale | 32,441,000 | 32,646,000 | 31,784,000 | 30,213,000 |
| Securities held to maturity | 8,945,000 | 8,703,000 | 6,688,000 | 2,680,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 129,211,000 | 128,616,000 | 124,394,000 | 123,181,000 |
| Interest-bearing deposits | 96,698,000 | 94,283,000 | 90,537,000 | 87,593,000 |
| Noninterest-bearing deposits | 32,513,000 | 34,333,000 | 33,857,000 | 35,588,000 |
| Equity capital | 17,025,000 | 16,783,000 | 17,086,000 | 17,001,000 |
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 | 1,245,000 | 2,507,000 | 3,792,000 | 5,080,000 |
| Interest expense | 107,000 | 211,000 | 312,000 | 407,000 |
| Net interest income | 1,138,000 | 2,296,000 | 3,480,000 | 4,673,000 |
| Noninterest income | 207,000 | 666,000 | 953,000 | 1,231,000 |
| Noninterest expense | 1,273,000 | 2,646,000 | 3,989,000 | 5,371,000 |
| Provision for loan losses | 0 | 115,000 | 125,000 | 125,000 |
| Pretax income | 72,000 | 201,000 | 319,000 | 408,000 |
| Income tax | 18,000 | 55,000 | 89,000 | 118,000 |
| Net income | 54,000 | 146,000 | 230,000 | 290,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,482,000 | 15,635,000 | 15,743,000 | 15,828,000 |
| Total capital | 16,569,000 | 16,704,000 | 16,834,000 | 16,905,000 |
| Risk-weighted assets | 85,946,000 | 83,726,000 | 85,627,000 | 84,839,000 |