Call reports 2014
RIVERSTONE BANK — 2014
What RIVERSTONE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 34,729,000 | 34,302,000 | 34,333,000 | 38,603,000 |
| Total loans | 29,128,000 | 28,974,000 | 31,120,000 | 35,685,000 |
| Allowance for loan losses | 337,000 | 355,000 | 376,000 | 377,000 |
| Securities available for sale | 1,710,000 | 1,735,000 | 1,850,000 | 1,753,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,788,000 | 31,281,000 | 28,645,000 | 30,863,000 |
| Interest-bearing deposits | 27,941,000 | 28,407,000 | 26,727,000 | 25,698,000 |
| Noninterest-bearing deposits | 3,847,000 | 2,874,000 | 1,918,000 | 5,165,000 |
| Equity capital | 2,861,000 | 2,950,000 | 2,996,000 | 3,080,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 400,000 | 792,000 | 1,194,000 | 1,628,000 |
| Interest expense | 70,000 | 139,000 | 208,000 | 276,000 |
| Net interest income | 330,000 | 653,000 | 986,000 | 1,352,000 |
| Noninterest income | 2,000 | 4,000 | 6,000 | 8,000 |
| Noninterest expense | 175,000 | 341,000 | 492,000 | 664,000 |
| Provision for loan losses | 39,000 | 57,000 | 75,000 | 75,000 |
| Pretax income | 118,000 | 259,000 | 425,000 | 621,000 |
| Income tax | 4,000 | 8,000 | 12,000 | 16,000 |
| Net income | 114,000 | 251,000 | 413,000 | 605,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,844,000 | 2,908,000 | 2,949,000 | 3,011,000 |
| Total capital | 3,181,000 | 3,251,000 | 3,318,000 | 3,388,000 |
| Risk-weighted assets | 26,913,000 | 27,402,000 | 29,542,000 | 33,581,000 |