Call reports 2014
RIVER COMMUNITY BANK, NATIONAL ASSOCIATION — 2014
What RIVER COMMUNITY BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 100,686,000 | 107,815,000 | 108,501,000 | 113,647,000 |
| Total loans | 90,027,000 | 92,215,000 | 93,649,000 | 99,502,000 |
| Allowance for loan losses | 874,000 | 1,040,000 | 966,000 | 1,297,000 |
| Securities available for sale | 5,740,000 | 5,769,000 | 5,716,000 | 5,230,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,925,000 | 87,727,000 | 90,243,000 | 93,305,000 |
| Interest-bearing deposits | 70,602,000 | 73,820,000 | 75,656,000 | 77,741,000 |
| Noninterest-bearing deposits | 15,323,000 | 13,907,000 | 14,587,000 | 15,564,000 |
| Equity capital | 8,853,000 | 9,328,000 | 9,687,000 | 9,613,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,275,000 | 2,673,000 | 4,143,000 | 5,602,000 |
| Interest expense | 141,000 | 289,000 | 448,000 | 607,000 |
| Net interest income | 1,134,000 | 2,384,000 | 3,695,000 | 4,995,000 |
| Noninterest income | 1,509,000 | 3,743,000 | 6,307,000 | 8,469,000 |
| Noninterest expense | 2,372,000 | 5,111,000 | 7,912,000 | 10,757,000 |
| Provision for loan losses | 66,000 | 369,000 | 494,000 | 1,048,000 |
| Pretax income | 205,000 | 647,000 | 1,596,000 | 1,659,000 |
| Income tax | 73,000 | 138,000 | 486,000 | 478,000 |
| Net income | 132,000 | 509,000 | 1,110,000 | 1,181,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,967,000 | 9,370,000 | 9,720,000 | 9,592,000 |
| Total capital | 9,841,000 | 10,407,000 | 10,686,000 | 10,717,000 |
| Risk-weighted assets | 79,253,000 | 83,110,000 | 85,258,000 | 89,776,000 |