Call reports 2016
RIVERWIND BANK — 2016
What RIVERWIND 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 | 90,772,000 | 93,792,000 | 91,923,000 | 92,831,000 |
| Total loans | 55,642,000 | 54,683,000 | 57,524,000 | 61,110,000 |
| Allowance for loan losses | 550,000 | 536,000 | 560,000 | 610,000 |
| Securities available for sale | 19,007,000 | 21,578,000 | 18,960,000 | 19,493,000 |
| Securities held to maturity | 6,457,000 | 5,495,000 | 5,246,000 | 3,993,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,345,000 | 82,102,000 | 80,057,000 | 81,521,000 |
| Interest-bearing deposits | 60,216,000 | 64,340,000 | 65,423,000 | 66,676,000 |
| Noninterest-bearing deposits | 19,129,000 | 17,762,000 | 14,634,000 | 14,845,000 |
| Equity capital | 9,264,000 | 9,461,000 | 9,615,000 | 9,095,000 |
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 | 959,000 | 1,879,000 | 2,814,000 | 3,762,000 |
| Interest expense | 65,000 | 136,000 | 212,000 | 290,000 |
| Net interest income | 894,000 | 1,743,000 | 2,602,000 | 3,472,000 |
| Noninterest income | 135,000 | 336,000 | 451,000 | 590,000 |
| Noninterest expense | 724,000 | 1,472,000 | 2,269,000 | 3,026,000 |
| Provision for loan losses | 38,000 | 149,000 | 187,000 | 243,000 |
| Pretax income | 271,000 | 471,000 | 611,000 | 810,000 |
| Income tax | 69,000 | 99,000 | 114,000 | 184,000 |
| Net income | 202,000 | 372,000 | 497,000 | 626,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,199,000 | 9,369,000 | 9,495,000 | 9,504,000 |
| Total capital | 9,749,000 | 9,905,000 | 10,055,000 | 10,114,000 |
| Risk-weighted assets | 59,661,000 | 60,689,000 | 61,378,000 | 64,527,000 |