Call reports 2013
RIVER COMMUNITY BANK, NATIONAL ASSOCIATION — 2013
What RIVER COMMUNITY BANK, NATIONAL ASSOCIATION 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 | 102,727,000 | 100,185,000 | 98,335,000 | 97,911,000 |
| Total loans | 87,693,000 | 88,762,000 | 87,450,000 | 86,947,000 |
| Allowance for loan losses | 1,454,000 | 748,000 | 802,000 | 810,000 |
| Securities available for sale | 6,027,000 | 6,035,000 | 5,920,000 | 5,691,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,407,000 | 84,927,000 | 85,281,000 | 83,488,000 |
| Interest-bearing deposits | 72,000,000 | 72,289,000 | 72,010,000 | 69,508,000 |
| Noninterest-bearing deposits | 15,407,000 | 12,638,000 | 13,271,000 | 13,980,000 |
| Equity capital | 9,478,000 | 9,210,000 | 9,247,000 | 8,873,000 |
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 | 1,402,000 | 2,777,000 | 4,103,000 | 5,398,000 |
| Interest expense | 284,000 | 447,000 | 633,000 | 774,000 |
| Net interest income | 1,118,000 | 2,330,000 | 3,470,000 | 4,624,000 |
| Noninterest income | 1,718,000 | 3,660,000 | 5,173,000 | 6,441,000 |
| Noninterest expense | 2,648,000 | 5,218,000 | 7,593,000 | 9,869,000 |
| Provision for loan losses | -95,000 | 305,000 | 355,000 | 362,000 |
| Pretax income | 283,000 | 467,000 | 695,000 | 834,000 |
| Income tax | 101,000 | 172,000 | 251,000 | 300,000 |
| Net income | 182,000 | 295,000 | 444,000 | 534,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,259,000 | 9,248,000 | 9,345,000 | 9,062,000 |
| Total capital | 10,235,000 | 9,996,000 | 10,147,000 | 9,872,000 |
| Risk-weighted assets | 77,582,000 | 77,495,000 | 76,462,000 | 75,948,000 |