Call reports 2016
RVR BANK — 2016
What RVR BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 215,165,000 | 213,988,000 | 216,265,000 | 229,129,000 |
| Total loans | 146,181,000 | 150,789,000 | 158,767,000 | 164,603,000 |
| Allowance for loan losses | 2,435,000 | 2,593,000 | 2,728,000 | 2,263,000 |
| Securities available for sale | 29,606,000 | 29,780,000 | 28,688,000 | 26,657,000 |
| Securities held to maturity | 41,000 | 38,000 | 35,000 | 32,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 180,174,000 | 180,917,000 | 185,882,000 | 199,993,000 |
| Interest-bearing deposits | 153,838,000 | 155,324,000 | 161,960,000 | 169,639,000 |
| Noninterest-bearing deposits | 26,336,000 | 25,593,000 | 23,922,000 | 30,354,000 |
| Equity capital | 18,788,000 | 18,993,000 | 19,537,000 | 19,600,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,058,000 | 4,162,000 | 6,358,000 | 8,619,000 |
| Interest expense | 142,000 | 297,000 | 464,000 | 655,000 |
| Net interest income | 1,916,000 | 3,865,000 | 5,894,000 | 7,964,000 |
| Noninterest income | 458,000 | 966,000 | 1,497,000 | 2,011,000 |
| Noninterest expense | 1,632,000 | 3,334,000 | 5,092,000 | 6,774,000 |
| Provision for loan losses | 153,000 | 307,000 | 458,000 | 616,000 |
| Pretax income | 589,000 | 1,190,000 | 1,841,000 | 2,585,000 |
| Income tax | 21,000 | 42,000 | 63,000 | 85,000 |
| Net income | 568,000 | 1,148,000 | 1,778,000 | 2,500,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,487,000 | 18,517,000 | 19,147,000 | 19,578,000 |
| Total capital | 20,591,000 | 20,679,000 | 21,416,000 | 21,841,000 |
| Risk-weighted assets | 168,021,000 | 172,587,000 | 181,120,000 | 184,936,000 |