Call reports 2013
RVR BANK — 2013
What RVR BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 218,737,000 | 213,113,000 | 212,506,000 | 211,822,000 |
| Total loans | 131,304,000 | 137,588,000 | 140,333,000 | 146,274,000 |
| Allowance for loan losses | 2,615,000 | 2,514,000 | 2,511,000 | 2,469,000 |
| Securities available for sale | 27,119,000 | 27,217,000 | 28,162,000 | 27,450,000 |
| Securities held to maturity | 92,000 | 87,000 | 83,000 | 79,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 188,163,000 | 181,075,000 | 182,861,000 | 183,594,000 |
| Interest-bearing deposits | 167,442,000 | 158,050,000 | 157,394,000 | 156,923,000 |
| Noninterest-bearing deposits | 20,721,000 | 23,025,000 | 25,467,000 | 26,671,000 |
| Equity capital | 18,600,000 | 18,137,000 | 18,247,000 | 18,041,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,049,000 | 4,129,000 | 6,271,000 | 8,467,000 |
| Interest expense | 290,000 | 554,000 | 792,000 | 1,007,000 |
| Net interest income | 1,759,000 | 3,575,000 | 5,479,000 | 7,460,000 |
| Noninterest income | 378,000 | 648,000 | 616,000 | 952,000 |
| Noninterest expense | 1,433,000 | 2,896,000 | 4,242,000 | 5,738,000 |
| Provision for loan losses | 1,000 | 1,000 | 2,000 | 2,000 |
| Pretax income | 703,000 | 1,326,000 | 1,851,000 | 2,672,000 |
| Income tax | 22,000 | 44,000 | 65,000 | 88,000 |
| Net income | 681,000 | 1,282,000 | 1,786,000 | 2,584,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,094,000 | 18,695,000 | 18,615,000 | 18,542,000 |
| Total capital | 19,935,000 | 20,585,000 | 20,526,000 | 20,501,000 |
| Risk-weighted assets | 146,487,000 | 150,615,000 | 152,260,000 | 156,223,000 |