Call reports 2013
RIVER BANK — 2013
What RIVER BANK 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 | 425,726,000 | 426,119,000 | 433,934,000 | 437,433,000 |
| Total loans | 325,186,000 | 318,294,000 | 329,543,000 | 332,874,000 |
| Allowance for loan losses | 4,211,000 | 3,835,000 | 2,652,000 | 2,839,000 |
| Securities available for sale | 49,369,000 | 51,500,000 | 53,334,000 | 53,279,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 367,039,000 | 370,115,000 | 377,839,000 | 380,876,000 |
| Interest-bearing deposits | 338,601,000 | 338,836,000 | 342,713,000 | 346,783,000 |
| Noninterest-bearing deposits | 28,438,000 | 31,279,000 | 35,126,000 | 34,093,000 |
| Equity capital | 49,798,000 | 49,064,000 | 49,358,000 | 49,653,000 |
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 | 4,339,000 | 8,553,000 | 12,901,000 | 17,270,000 |
| Interest expense | 1,015,000 | 1,982,000 | 2,911,000 | 3,823,000 |
| Net interest income | 3,324,000 | 6,571,000 | 9,990,000 | 13,447,000 |
| Noninterest income | 210,000 | 473,000 | 719,000 | 905,000 |
| Noninterest expense | 1,789,000 | 3,600,000 | 5,354,000 | 7,108,000 |
| Provision for loan losses | 90,000 | 181,000 | 286,000 | 470,000 |
| Pretax income | 1,655,000 | 3,280,000 | 5,086,000 | 6,791,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,655,000 | 3,280,000 | 5,086,000 | 6,791,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,963,000 | 45,421,000 | 46,059,000 | 46,596,000 |
| Total capital | 49,021,000 | 49,256,000 | 48,711,000 | 49,435,000 |
| Risk-weighted assets | 324,462,000 | 321,079,000 | 335,453,000 | 338,843,000 |