Call reports 2014
RVR BANK — 2014
What RVR BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 223,812,000 | 214,072,000 | 210,937,000 | 214,767,000 |
| Total loans | 143,946,000 | 143,879,000 | 138,738,000 | 141,184,000 |
| Allowance for loan losses | 2,469,000 | 2,438,000 | 2,444,000 | 2,022,000 |
| Securities available for sale | 28,315,000 | 30,255,000 | 30,989,000 | 30,185,000 |
| Securities held to maturity | 72,000 | 65,000 | 61,000 | 58,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 186,539,000 | 178,662,000 | 176,805,000 | 180,653,000 |
| Interest-bearing deposits | 158,289,000 | 152,693,000 | 153,471,000 | 156,667,000 |
| Noninterest-bearing deposits | 28,250,000 | 25,969,000 | 23,334,000 | 23,986,000 |
| Equity capital | 18,660,000 | 19,147,000 | 19,396,000 | 18,763,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,121,000 | 4,262,000 | 6,344,000 | 8,428,000 |
| Interest expense | 201,000 | 397,000 | 585,000 | 760,000 |
| Net interest income | 1,920,000 | 3,865,000 | 5,759,000 | 7,668,000 |
| Noninterest income | 492,000 | 926,000 | 1,384,000 | 1,815,000 |
| Noninterest expense | 1,490,000 | 2,996,000 | 4,404,000 | 6,127,000 |
| Provision for loan losses | 0 | 1,000 | 1,000 | 53,000 |
| Pretax income | 922,000 | 1,794,000 | 2,738,000 | 3,303,000 |
| Income tax | 22,000 | 43,000 | 64,000 | 85,000 |
| Net income | 900,000 | 1,751,000 | 2,674,000 | 3,218,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,756,000 | 19,061,000 | 19,204,000 | 18,558,000 |
| Total capital | 20,720,000 | 21,001,000 | 21,099,000 | 20,491,000 |
| Risk-weighted assets | 156,648,000 | 154,720,000 | 151,078,000 | 154,573,000 |