Call reports 2013
RIVERWIND BANK — 2013
What RIVERWIND BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 74,470,000 | 76,305,000 | 73,828,000 | 78,633,000 |
| Total loans | 42,699,000 | 43,510,000 | 44,859,000 | 45,841,000 |
| Allowance for loan losses | 484,000 | 496,000 | 503,000 | 509,000 |
| Securities available for sale | 11,474,000 | 12,248,000 | 11,717,000 | 15,141,000 |
| Securities held to maturity | 11,751,000 | 11,403,000 | 11,346,000 | 11,207,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,910,000 | 66,914,000 | 63,808,000 | 69,065,000 |
| Interest-bearing deposits | 50,624,000 | 50,794,000 | 49,677,000 | 53,444,000 |
| Noninterest-bearing deposits | 14,286,000 | 16,121,000 | 14,131,000 | 15,621,000 |
| Equity capital | 7,662,000 | 7,482,000 | 7,614,000 | 7,473,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 768,000 | 1,578,000 | 2,451,000 | 3,335,000 |
| Interest expense | 63,000 | 127,000 | 190,000 | 248,000 |
| Net interest income | 705,000 | 1,451,000 | 2,261,000 | 3,087,000 |
| Noninterest income | 88,000 | 186,000 | 284,000 | 417,000 |
| Noninterest expense | 582,000 | 1,209,000 | 1,865,000 | 2,662,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 181,000 | 368,000 | 636,000 | 770,000 |
| Income tax | 35,000 | 73,000 | 161,000 | 170,000 |
| Net income | 146,000 | 295,000 | 475,000 | 600,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,480,000 | 7,629,000 | 7,808,000 | 7,814,000 |
| Total capital | 7,964,000 | 8,125,000 | 8,311,000 | 8,323,000 |
| Risk-weighted assets | 46,439,000 | 47,954,000 | 48,537,000 | 50,519,000 |