Call reports 2012
RIVERWOOD BANK — 2012
What RIVERWOOD BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 158,421,000 | 154,319,000 | 157,122,000 | 163,683,000 |
| Total loans | 109,736,000 | 111,882,000 | 112,172,000 | 115,915,000 |
| Allowance for loan losses | 1,992,000 | 1,868,000 | 1,784,000 | 1,876,000 |
| Securities available for sale | 3,618,000 | 3,415,000 | 3,163,000 | 2,918,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 124,640,000 | 120,917,000 | 125,638,000 | 135,328,000 |
| Interest-bearing deposits | 95,520,000 | 90,029,000 | 90,744,000 | 93,558,000 |
| Noninterest-bearing deposits | 29,120,000 | 30,888,000 | 34,894,000 | 41,770,000 |
| Equity capital | 16,081,000 | 16,094,000 | 16,207,000 | 16,279,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,550,000 | 3,097,000 | 4,789,000 | 6,307,000 |
| Interest expense | 349,000 | 663,000 | 955,000 | 1,207,000 |
| Net interest income | 1,201,000 | 2,434,000 | 3,834,000 | 5,100,000 |
| Noninterest income | 431,000 | 701,000 | 1,100,000 | 1,721,000 |
| Noninterest expense | 1,718,000 | 3,072,000 | 4,715,000 | 6,291,000 |
| Provision for loan losses | 0 | 150,000 | 150,000 | 350,000 |
| Pretax income | -86,000 | -87,000 | 69,000 | 180,000 |
| Income tax | -43,000 | -53,000 | -6,000 | 21,000 |
| Net income | -43,000 | -34,000 | 75,000 | 159,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,683,000 | 13,672,000 | 13,821,000 | 13,917,000 |
| Total capital | 15,213,000 | 15,224,000 | 15,386,000 | 15,536,000 |
| Risk-weighted assets | 121,919,000 | 123,864,000 | 124,976,000 | 129,262,000 |