Call reports 2012
RVR BANK — 2012
What RVR BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 223,845,000 | 216,222,000 | 206,384,000 | 215,586,000 |
| Total loans | 130,400,000 | 130,834,000 | 130,958,000 | 131,850,000 |
| Allowance for loan losses | 2,935,000 | 2,638,000 | 2,584,000 | 2,616,000 |
| Securities available for sale | 23,108,000 | 25,142,000 | 27,896,000 | 26,232,000 |
| Securities held to maturity | 110,000 | 105,000 | 101,000 | 97,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 193,312,000 | 183,371,000 | 177,270,000 | 187,384,000 |
| Interest-bearing deposits | 169,834,000 | 161,311,000 | 156,441,000 | 163,598,000 |
| Noninterest-bearing deposits | 23,478,000 | 22,060,000 | 20,829,000 | 23,786,000 |
| Equity capital | 19,382,000 | 19,918,000 | 19,503,000 | 19,654,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,166,000 | 4,302,000 | 6,482,000 | 8,713,000 |
| Interest expense | 467,000 | 871,000 | 1,225,000 | 1,534,000 |
| Net interest income | 1,699,000 | 3,431,000 | 5,257,000 | 7,179,000 |
| Noninterest income | 485,000 | 914,000 | 1,110,000 | 1,529,000 |
| Noninterest expense | 1,480,000 | 3,052,000 | 4,535,000 | 6,113,000 |
| Provision for loan losses | 226,000 | 301,000 | 301,000 | 1,000 |
| Pretax income | 478,000 | 992,000 | 1,531,000 | 2,594,000 |
| Income tax | 23,000 | 44,000 | 65,000 | 88,000 |
| Net income | 455,000 | 948,000 | 1,466,000 | 2,506,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,762,000 | 19,255,000 | 18,787,000 | 18,963,000 |
| Total capital | 20,637,000 | 21,101,000 | 20,600,000 | 20,802,000 |
| Risk-weighted assets | 148,904,000 | 146,913,000 | 144,277,000 | 146,379,000 |