Call reports 2015
RVR BANK — 2015
What RVR 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 | 218,579,000 | 211,507,000 | 206,528,000 | 208,435,000 |
| Total loans | 149,643,000 | 149,304,000 | 146,410,000 | 145,059,000 |
| Allowance for loan losses | 2,181,000 | 2,081,000 | 2,306,000 | 2,282,000 |
| Securities available for sale | 31,581,000 | 31,050,000 | 30,745,000 | 28,965,000 |
| Securities held to maturity | 55,000 | 51,000 | 47,000 | 44,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 180,811,000 | 175,404,000 | 175,345,000 | 177,472,000 |
| Interest-bearing deposits | 156,533,000 | 148,477,000 | 147,890,000 | 150,248,000 |
| Noninterest-bearing deposits | 24,278,000 | 26,927,000 | 27,455,000 | 27,224,000 |
| Equity capital | 19,251,000 | 19,062,000 | 19,211,000 | 18,998,000 |
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 | 2,161,000 | 4,280,000 | 6,385,000 | 8,483,000 |
| Interest expense | 166,000 | 328,000 | 487,000 | 634,000 |
| Net interest income | 1,995,000 | 3,952,000 | 5,898,000 | 7,849,000 |
| Noninterest income | 878,000 | 1,400,000 | 1,882,000 | 2,353,000 |
| Noninterest expense | 1,707,000 | 3,249,000 | 4,730,000 | 6,409,000 |
| Provision for loan losses | 227,000 | 458,000 | 692,000 | 797,000 |
| Pretax income | 939,000 | 1,645,000 | 2,358,000 | 2,996,000 |
| Income tax | 21,000 | 42,000 | 63,000 | 84,000 |
| Net income | 918,000 | 1,603,000 | 2,295,000 | 2,912,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,886,000 | 18,970,000 | 18,930,000 | 18,784,000 |
| Total capital | 20,952,000 | 20,981,000 | 21,036,000 | 20,895,000 |
| Risk-weighted assets | 165,178,000 | 160,794,000 | 168,239,000 | 168,729,000 |