Call reports 2015
EAST RIVER BANK — 2015
What EAST RIVER 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 | 284,077,000 | 286,154,000 | 293,516,000 | 310,742,000 |
| Total loans | 254,679,000 | 255,739,000 | 268,233,000 | 282,092,000 |
| Allowance for loan losses | 3,101,000 | 3,205,000 | 3,322,000 | 3,445,000 |
| Securities available for sale | 7,062,000 | 7,467,000 | 7,271,000 | 6,958,000 |
| Securities held to maturity | 0 | 0 | 314,000 | 314,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 211,849,000 | 213,293,000 | 216,542,000 | 233,774,000 |
| Interest-bearing deposits | 190,487,000 | 191,698,000 | 194,476,000 | 202,344,000 |
| Noninterest-bearing deposits | 21,362,000 | 21,595,000 | 22,066,000 | 31,430,000 |
| Equity capital | 27,819,000 | 28,418,000 | 29,622,000 | 30,392,000 |
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 | 3,278,000 | 6,643,000 | 10,039,000 | 13,547,000 |
| Interest expense | 588,000 | 1,205,000 | 1,843,000 | 2,505,000 |
| Net interest income | 2,690,000 | 5,438,000 | 8,196,000 | 11,042,000 |
| Noninterest income | 88,000 | 217,000 | 402,000 | 515,000 |
| Noninterest expense | 1,966,000 | 3,904,000 | 5,797,000 | 7,774,000 |
| Provision for loan losses | 64,000 | 168,000 | 285,000 | 408,000 |
| Pretax income | 748,000 | 1,583,000 | 2,516,000 | 3,375,000 |
| Income tax | 259,000 | 549,000 | 865,000 | 1,162,000 |
| Net income | 489,000 | 1,034,000 | 1,651,000 | 2,213,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,697,000 | 28,327,000 | 29,516,000 | 30,317,000 |
| Total capital | 30,331,000 | 30,986,000 | 32,346,000 | 33,348,000 |
| Risk-weighted assets | 210,182,000 | 212,041,000 | 225,809,000 | 242,020,000 |
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