Call reports 2015
RIVERWIND BANK — 2015
What RIVERWIND 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 | 85,216,000 | 88,227,000 | 92,066,000 | 90,717,000 |
| Total loans | 51,285,000 | 52,122,000 | 55,532,000 | 55,749,000 |
| Allowance for loan losses | 548,000 | 579,000 | 565,000 | 510,000 |
| Securities available for sale | 14,928,000 | 18,145,000 | 18,187,000 | 20,660,000 |
| Securities held to maturity | 8,949,000 | 8,461,000 | 7,706,000 | 7,706,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,569,000 | 77,399,000 | 81,009,000 | 79,351,000 |
| Interest-bearing deposits | 58,861,000 | 61,484,000 | 65,226,000 | 61,316,000 |
| Noninterest-bearing deposits | 15,708,000 | 15,915,000 | 15,783,000 | 18,035,000 |
| Equity capital | 8,713,000 | 8,841,000 | 8,999,000 | 8,959,000 |
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 | 907,000 | 1,823,000 | 2,779,000 | 3,747,000 |
| Interest expense | 61,000 | 127,000 | 196,000 | 266,000 |
| Net interest income | 846,000 | 1,696,000 | 2,583,000 | 3,481,000 |
| Noninterest income | 111,000 | 224,000 | 335,000 | 472,000 |
| Noninterest expense | 660,000 | 1,326,000 | 2,059,000 | 2,794,000 |
| Provision for loan losses | 38,000 | 75,000 | 130,000 | 352,000 |
| Pretax income | 260,000 | 520,000 | 730,000 | 808,000 |
| Income tax | 67,000 | 138,000 | 195,000 | 166,000 |
| Net income | 193,000 | 382,000 | 535,000 | 642,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,685,000 | 8,874,000 | 9,027,000 | 8,998,000 |
| Total capital | 9,233,000 | 9,453,000 | 9,592,000 | 9,508,000 |
| Risk-weighted assets | 55,988,000 | 57,083,000 | 60,658,000 | 60,952,000 |