Call reports 2012
RIVERSTONE BANK — 2012
What RIVERSTONE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 33,289,000 | 34,515,000 | 33,765,000 | 37,004,000 |
| Total loans | 26,240,000 | 29,932,000 | 30,621,000 | 31,052,000 |
| Allowance for loan losses | 286,000 | 304,000 | 322,000 | 340,000 |
| Securities available for sale | 1,633,000 | 1,737,000 | 1,642,000 | 1,648,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,620,000 | 31,807,000 | 30,945,000 | 34,111,000 |
| Interest-bearing deposits | 28,064,000 | 29,581,000 | 28,803,000 | 31,512,000 |
| Noninterest-bearing deposits | 2,557,000 | 2,226,000 | 2,142,000 | 2,599,000 |
| Equity capital | 2,610,000 | 2,625,000 | 2,728,000 | 2,836,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 401,000 | 811,000 | 1,269,000 | 1,724,000 |
| Interest expense | 96,000 | 196,000 | 296,000 | 394,000 |
| Net interest income | 305,000 | 615,000 | 973,000 | 1,330,000 |
| Noninterest income | 2,000 | 4,000 | 8,000 | 10,000 |
| Noninterest expense | 126,000 | 309,000 | 458,000 | 625,000 |
| Provision for loan losses | 12,000 | 30,000 | 48,000 | 66,000 |
| Pretax income | 169,000 | 280,000 | 475,000 | 658,000 |
| Income tax | 4,000 | 8,000 | 12,000 | 18,000 |
| Net income | 165,000 | 272,000 | 463,000 | 640,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,543,000 | 2,555,000 | 2,652,000 | 2,754,000 |
| Total capital | 2,829,000 | 2,859,000 | 2,974,000 | 3,094,000 |
| Risk-weighted assets | 24,805,000 | 28,275,000 | 28,962,000 | 28,863,000 |