Call reports 2011
RIVERSTONE BANK — 2011
What RIVERSTONE BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 26,026,000 | 25,936,000 | 27,155,000 | 30,550,000 |
| Total loans | 19,693,000 | 21,175,000 | 22,546,000 | 25,977,000 |
| Allowance for loan losses | 167,000 | 196,000 | 225,000 | 274,000 |
| Securities available for sale | 1,277,000 | 1,357,000 | 1,380,000 | 1,175,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,858,000 | 23,659,000 | 24,743,000 | 28,086,000 |
| Interest-bearing deposits | 20,824,000 | 20,997,000 | 22,245,000 | 24,509,000 |
| Noninterest-bearing deposits | 3,034,000 | 2,662,000 | 2,498,000 | 3,576,000 |
| Equity capital | 2,122,000 | 2,224,000 | 2,336,000 | 2,418,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 316,000 | 651,000 | 1,008,000 | 1,405,000 |
| Interest expense | 83,000 | 166,000 | 251,000 | 337,000 |
| Net interest income | 233,000 | 485,000 | 757,000 | 1,068,000 |
| Noninterest income | 3,000 | 6,000 | 10,000 | 11,000 |
| Noninterest expense | 150,000 | 301,000 | 456,000 | 627,000 |
| Provision for loan losses | 29,000 | 58,000 | 87,000 | 136,000 |
| Pretax income | 57,000 | 132,000 | 224,000 | 316,000 |
| Income tax | 0 | 4,000 | 8,000 | 12,000 |
| Net income | 57,000 | 128,000 | 216,000 | 304,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,129,000 | 2,200,000 | 2,289,000 | 2,376,000 |
| Total capital | 2,296,000 | 2,396,000 | 2,514,000 | 2,650,000 |
| Risk-weighted assets | 19,407,000 | 21,437,000 | 21,832,000 | 24,230,000 |