Call reports 2016
RIVER COMMUNITY BANK, NATIONAL ASSOCIATION — 2016
What RIVER COMMUNITY BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 |
|---|---|---|---|
| Total assets | 111,866,000 | 112,880,000 | 115,735,000 |
| Total loans | 98,144,000 | 97,416,000 | 100,226,000 |
| Allowance for loan losses | 1,103,000 | 1,122,000 | 928,000 |
| Securities available for sale | 5,205,000 | 5,204,000 | 5,128,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 95,156,000 | 93,323,000 | 98,612,000 |
| Interest-bearing deposits | 79,363,000 | 79,521,000 | 81,474,000 |
| Noninterest-bearing deposits | 15,793,000 | 13,802,000 | 17,138,000 |
| Equity capital | 10,976,000 | 11,381,000 | 11,506,000 |
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 |
|---|---|---|---|
| Interest income | 1,409,000 | 2,858,000 | 4,234,000 |
| Interest expense | 162,000 | 329,000 | 508,000 |
| Net interest income | 1,247,000 | 2,529,000 | 3,726,000 |
| Noninterest income | 1,611,000 | 3,447,000 | 5,088,000 |
| Noninterest expense | 2,421,000 | 4,934,000 | 7,349,000 |
| Provision for loan losses | 140,000 | 175,000 | 284,000 |
| Pretax income | 331,000 | 901,000 | 1,215,000 |
| Income tax | 114,000 | 311,000 | 420,000 |
| Net income | 217,000 | 590,000 | 795,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 |
|---|---|---|---|
| Tier 1 capital | 10,923,000 | 11,278,000 | 11,411,000 |
| Total capital | 12,044,000 | 12,412,000 | 12,352,000 |
| Risk-weighted assets | 90,688,000 | 90,680,000 | 91,211,000 |