Call reports 2015
RIVERSTONE BANK — 2015
What RIVERSTONE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 36,146,000 | 41,916,000 | 42,293,000 | 44,520,000 |
| Total loans | 33,285,000 | 38,313,000 | 39,635,000 | 40,069,000 |
| Allowance for loan losses | 395,000 | 413,000 | 443,000 | 443,000 |
| Securities available for sale | 1,690,000 | 1,608,000 | 1,464,000 | 1,325,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,850,000 | 33,140,000 | 36,960,000 | 40,852,000 |
| Interest-bearing deposits | 28,914,000 | 30,848,000 | 35,098,000 | 37,418,000 |
| Noninterest-bearing deposits | 2,936,000 | 2,292,000 | 1,862,000 | 3,434,000 |
| Equity capital | 3,115,000 | 3,493,000 | 3,538,000 | 3,602,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 438,000 | 891,000 | 1,394,000 | 1,896,000 |
| Interest expense | 83,000 | 172,000 | 274,000 | 383,000 |
| Net interest income | 355,000 | 719,000 | 1,120,000 | 1,513,000 |
| Noninterest income | 2,000 | 4,000 | 7,000 | 10,000 |
| Noninterest expense | 160,000 | 341,000 | 518,000 | 708,000 |
| Provision for loan losses | 18,000 | 36,000 | 66,000 | 66,000 |
| Pretax income | 179,000 | 358,000 | 555,000 | 753,000 |
| Income tax | 4,000 | 8,000 | 12,000 | 16,000 |
| Net income | 175,000 | 350,000 | 543,000 | 737,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,030,000 | 3,455,000 | 3,496,000 | 3,544,000 |
| Total capital | 3,422,000 | 3,868,000 | 3,939,000 | 3,987,000 |
| Risk-weighted assets | 31,375,000 | 35,762,000 | 36,536,000 | 37,835,000 |