Call reports 2013
RIVERSTONE BANK — 2013
What RIVERSTONE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 36,664,000 | 35,927,000 | 35,089,000 | 36,948,000 |
| Total loans | 30,870,000 | 31,698,000 | 31,520,000 | 31,928,000 |
| Allowance for loan losses | 358,000 | 430,000 | 357,000 | 375,000 |
| Securities available for sale | 1,747,000 | 1,734,000 | 1,680,000 | 1,670,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,728,000 | 31,432,000 | 32,202,000 | 34,061,000 |
| Interest-bearing deposits | 30,921,000 | 29,162,000 | 29,831,000 | 30,309,000 |
| Noninterest-bearing deposits | 2,807,000 | 2,270,000 | 2,371,000 | 3,752,000 |
| Equity capital | 2,859,000 | 2,757,000 | 2,789,000 | 2,827,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 426,000 | 875,000 | 1,314,000 | 1,747,000 |
| Interest expense | 93,000 | 181,000 | 268,000 | 350,000 |
| Net interest income | 333,000 | 694,000 | 1,046,000 | 1,397,000 |
| Noninterest income | 2,000 | 4,000 | 8,000 | 9,000 |
| Noninterest expense | 148,000 | 296,000 | 458,000 | 664,000 |
| Provision for loan losses | 18,000 | 151,000 | 173,000 | 191,000 |
| Pretax income | 169,000 | 251,000 | 438,000 | 567,000 |
| Income tax | 3,000 | 6,000 | 9,000 | 13,000 |
| Net income | 166,000 | 245,000 | 429,000 | 554,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,788,000 | 2,700,000 | 2,803,000 | 2,850,000 |
| Total capital | 3,146,000 | 3,070,000 | 3,160,000 | 3,222,000 |
| Risk-weighted assets | 28,772,000 | 29,525,000 | 29,362,000 | 29,722,000 |