Call reports 2015
RIVER COMMUNITY BANK, NATIONAL ASSOCIATION — 2015
What RIVER COMMUNITY BANK, NATIONAL ASSOCIATION 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 | 117,347,000 | 128,110,000 | 113,998,000 | 114,318,000 |
| Total loans | 100,675,000 | 113,326,000 | 98,750,000 | 100,234,000 |
| Allowance for loan losses | 1,338,000 | 1,394,000 | 1,428,000 | 1,410,000 |
| Securities available for sale | 5,225,000 | 5,068,000 | 5,046,000 | 4,958,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 96,462,000 | 99,333,000 | 97,250,000 | 97,865,000 |
| Interest-bearing deposits | 80,989,000 | 84,656,000 | 82,822,000 | 83,381,000 |
| Noninterest-bearing deposits | 15,473,000 | 14,677,000 | 14,428,000 | 14,484,000 |
| Equity capital | 9,878,000 | 10,222,000 | 10,478,000 | 10,757,000 |
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 | 1,402,000 | 2,939,000 | 4,456,000 | 5,858,000 |
| Interest expense | 161,000 | 329,000 | 502,000 | 660,000 |
| Net interest income | 1,241,000 | 2,610,000 | 3,954,000 | 5,198,000 |
| Noninterest income | 1,912,000 | 4,223,000 | 6,163,000 | 7,714,000 |
| Noninterest expense | 2,626,000 | 5,464,000 | 8,229,000 | 10,541,000 |
| Provision for loan losses | 40,000 | 95,000 | 130,000 | 1,000 |
| Pretax income | 487,000 | 1,274,000 | 1,758,000 | 2,370,000 |
| Income tax | 168,000 | 441,000 | 605,000 | 815,000 |
| Net income | 319,000 | 833,000 | 1,153,000 | 1,555,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,809,000 | 10,222,000 | 10,424,000 | 10,757,000 |
| Total capital | 10,973,000 | 11,484,000 | 11,577,000 | 11,908,000 |
| Risk-weighted assets | 91,495,000 | 100,811,000 | 91,972,000 | 91,763,000 |