Call reports 2012
RIVERWIND BANK — 2012
What RIVERWIND BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 66,670,000 | 71,522,000 | 73,941,000 | 73,660,000 |
| Total loans | 32,622,000 | 35,445,000 | 42,126,000 | 42,247,000 |
| Allowance for loan losses | 383,000 | 414,000 | 408,000 | 480,000 |
| Securities available for sale | 17,857,000 | 16,593,000 | 14,876,000 | 12,859,000 |
| Securities held to maturity | 7,783,000 | 11,532,000 | 12,025,000 | 11,983,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,801,000 | 58,369,000 | 58,391,000 | 63,304,000 |
| Interest-bearing deposits | 45,554,000 | 47,356,000 | 47,193,000 | 49,149,000 |
| Noninterest-bearing deposits | 12,247,000 | 11,013,000 | 11,198,000 | 14,155,000 |
| Equity capital | 7,237,000 | 7,458,000 | 7,686,000 | 7,548,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 663,000 | 1,364,000 | 2,133,000 | 2,938,000 |
| Interest expense | 72,000 | 147,000 | 218,000 | 285,000 |
| Net interest income | 591,000 | 1,217,000 | 1,915,000 | 2,653,000 |
| Noninterest income | 106,000 | 213,000 | 331,000 | 448,000 |
| Noninterest expense | 520,000 | 1,068,000 | 1,658,000 | 2,317,000 |
| Provision for loan losses | 35,000 | 65,000 | 95,000 | 180,000 |
| Pretax income | 142,000 | 333,000 | 529,000 | 640,000 |
| Income tax | 33,000 | 80,000 | 128,000 | 123,000 |
| Net income | 109,000 | 253,000 | 401,000 | 517,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,126,000 | 7,270,000 | 7,418,000 | 7,334,000 |
| Total capital | 7,509,000 | 7,684,000 | 7,826,000 | 7,814,000 |
| Risk-weighted assets | 37,934,000 | 41,405,000 | 46,979,000 | 46,296,000 |