Call reports 2019
RIVERWIND BANK — 2019
What RIVERWIND 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 | 105,676,000 | 101,989,000 | 102,568,000 | 104,894,000 |
| Total loans | 69,617,000 | 70,148,000 | 71,591,000 | 66,987,000 |
| Allowance for loan losses | 841,000 | 875,000 | 889,000 | 949,000 |
| Securities available for sale | 19,797,000 | 19,697,000 | 19,263,000 | 17,595,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,127,000 | 88,136,000 | 88,401,000 | 90,793,000 |
| Interest-bearing deposits | 74,398,000 | 68,998,000 | 71,585,000 | 73,338,000 |
| Noninterest-bearing deposits | 17,728,000 | 19,139,000 | 16,816,000 | 17,455,000 |
| Equity capital | 10,685,000 | 11,076,000 | 11,371,000 | 11,314,000 |
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 | 1,165,000 | 2,362,000 | 3,554,000 | 4,723,000 |
| Interest expense | 214,000 | 451,000 | 687,000 | 909,000 |
| Net interest income | 951,000 | 1,911,000 | 2,867,000 | 3,814,000 |
| Noninterest income | 116,000 | 249,000 | 383,000 | 508,000 |
| Noninterest expense | 748,000 | 1,481,000 | 2,315,000 | 3,167,000 |
| Provision for loan losses | 14,000 | 71,000 | 95,000 | 331,000 |
| Pretax income | 305,000 | 608,000 | 835,000 | 825,000 |
| Income tax | 62,000 | 124,000 | 135,000 | 102,000 |
| Net income | 243,000 | 484,000 | 700,000 | 723,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,917,000 | 11,158,000 | 11,374,000 | 11,317,000 |
| Total capital | 11,758,000 | 12,033,000 | 12,263,000 | 12,229,000 |
| Risk-weighted assets | 73,772,000 | 73,987,000 | 75,645,000 | 72,920,000 |