Call reports 2019
RIVERSTONE BANK — 2019
What RIVERSTONE BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 45,419,000 | 47,405,000 | 48,716,000 | 51,122,000 |
| Total loans | 41,751,000 | 43,707,000 | 42,118,000 | 42,663,000 |
| Allowance for loan losses | 492,000 | 492,000 | 492,000 | 492,000 |
| Securities available for sale | 1,249,000 | 1,285,000 | 1,303,000 | 1,300,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,175,000 | 42,084,000 | 44,594,000 | 47,713,000 |
| Interest-bearing deposits | 37,050,000 | 37,965,000 | 40,309,000 | 44,355,000 |
| Noninterest-bearing deposits | 4,125,000 | 4,119,000 | 4,285,000 | 3,358,000 |
| Equity capital | 4,158,000 | 4,227,000 | 4,011,000 | 3,324,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 562,000 | 1,150,000 | 1,769,000 | 2,349,000 |
| Interest expense | 164,000 | 351,000 | 552,000 | 770,000 |
| Net interest income | 398,000 | 799,000 | 1,217,000 | 1,579,000 |
| Noninterest income | 2,000 | 3,000 | 6,000 | 8,000 |
| Noninterest expense | 182,000 | 368,000 | 562,000 | 801,000 |
| Provision for loan losses | 0 | 0 | 0 | 780,000 |
| Pretax income | 218,000 | 434,000 | 661,000 | 6,000 |
| Income tax | 5,000 | 10,000 | 15,000 | 17,000 |
| Net income | 213,000 | 424,000 | 646,000 | -11,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,146,000 | 4,180,000 | 3,946,000 | 3,263,000 |
| Total capital | 4,638,000 | 4,672,000 | 4,438,000 | 3,755,000 |
| Risk-weighted assets | 39,987,000 | 41,642,000 | 41,124,000 | 41,860,000 |