Call reports 2016
RIVERSTONE BANK — 2016
What RIVERSTONE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 43,564,000 | 44,174,000 | 43,308,000 | 43,748,000 |
| Total loans | 40,505,000 | 39,156,000 | 39,817,000 | 41,470,000 |
| Allowance for loan losses | 461,000 | 467,000 | 467,000 | 467,000 |
| Securities available for sale | 1,639,000 | 1,370,000 | 1,086,000 | 1,170,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,870,000 | 40,354,000 | 39,495,000 | 38,131,000 |
| Interest-bearing deposits | 37,089,000 | 36,754,000 | 37,444,000 | 35,725,000 |
| Noninterest-bearing deposits | 2,781,000 | 3,600,000 | 2,051,000 | 2,406,000 |
| Equity capital | 3,615,000 | 3,736,000 | 3,718,000 | 3,667,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 492,000 | 981,000 | 1,476,000 | 1,974,000 |
| Interest expense | 107,000 | 211,000 | 325,000 | 430,000 |
| Net interest income | 385,000 | 770,000 | 1,151,000 | 1,544,000 |
| Noninterest income | 2,000 | 3,000 | 6,000 | 9,000 |
| Noninterest expense | 176,000 | 352,000 | 540,000 | 729,000 |
| Provision for loan losses | 18,000 | 24,000 | 24,000 | 24,000 |
| Pretax income | 193,000 | 466,000 | 681,000 | 888,000 |
| Income tax | 5,000 | 9,000 | 14,000 | 19,000 |
| Net income | 188,000 | 457,000 | 667,000 | 869,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,536,000 | 3,674,000 | 3,689,000 | 3,749,000 |
| Total capital | 3,997,000 | 4,134,000 | 4,156,000 | 4,216,000 |
| Risk-weighted assets | 37,981,000 | 36,869,000 | 37,449,000 | 39,291,000 |