Call reports 2016
RIVER TOWN BANK — 2016
What RIVER TOWN 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 | 142,880,000 | 140,242,000 | 140,690,000 | 137,995,000 |
| Total loans | 85,856,000 | 87,580,000 | 93,471,000 | 94,029,000 |
| Allowance for loan losses | 1,706,000 | 1,621,000 | 1,652,000 | 1,685,000 |
| Securities available for sale | 29,445,000 | 31,474,000 | 28,975,000 | 26,829,000 |
| Securities held to maturity | 315,000 | 315,000 | 315,000 | 315,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 122,238,000 | 119,858,000 | 118,210,000 | 116,181,000 |
| Interest-bearing deposits | 86,107,000 | 85,400,000 | 83,006,000 | 81,422,000 |
| Noninterest-bearing deposits | 36,131,000 | 34,458,000 | 35,204,000 | 34,759,000 |
| Equity capital | 17,293,000 | 17,066,000 | 17,248,000 | 16,552,000 |
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 | 1,462,000 | 2,748,000 | 4,057,000 | 5,389,000 |
| Interest expense | 93,000 | 183,000 | 270,000 | 359,000 |
| Net interest income | 1,369,000 | 2,565,000 | 3,787,000 | 5,030,000 |
| Noninterest income | 239,000 | 484,000 | 768,000 | 1,029,000 |
| Noninterest expense | 1,314,000 | 2,664,000 | 4,007,000 | 5,346,000 |
| Provision for loan losses | 125,000 | 155,000 | 175,000 | 205,000 |
| Pretax income | 169,000 | 230,000 | 386,000 | 521,000 |
| Income tax | 50,000 | 68,000 | 121,000 | 207,000 |
| Net income | 119,000 | 162,000 | 265,000 | 314,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,001,000 | 15,741,000 | 15,898,000 | 15,955,000 |
| Total capital | 17,039,000 | 16,785,000 | 16,980,000 | 17,033,000 |
| Risk-weighted assets | 81,721,000 | 82,299,000 | 85,373,000 | 85,158,000 |