Call reports 2014
RIVER BANK — 2014
What RIVER BANK 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 | 438,733,000 | 440,166,000 | 434,484,000 | 436,536,000 |
| Total loans | 333,635,000 | 340,419,000 | 349,037,000 | 354,292,000 |
| Allowance for loan losses | 2,951,000 | 3,122,000 | 3,211,000 | 3,260,000 |
| Securities available for sale | 53,958,000 | 52,653,000 | 52,490,000 | 49,880,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 381,858,000 | 382,219,000 | 375,750,000 | 381,079,000 |
| Interest-bearing deposits | 347,933,000 | 346,878,000 | 340,232,000 | 339,932,000 |
| Noninterest-bearing deposits | 33,925,000 | 35,341,000 | 35,518,000 | 41,147,000 |
| Equity capital | 50,521,000 | 51,417,000 | 52,101,000 | 52,686,000 |
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 | 4,253,000 | 8,494,000 | 12,732,000 | 17,010,000 |
| Interest expense | 869,000 | 1,726,000 | 2,568,000 | 3,430,000 |
| Net interest income | 3,384,000 | 6,768,000 | 10,164,000 | 13,580,000 |
| Noninterest income | 142,000 | 318,000 | 434,000 | 494,000 |
| Noninterest expense | 1,786,000 | 3,573,000 | 5,270,000 | 6,980,000 |
| Provision for loan losses | 180,000 | 349,000 | 441,000 | 533,000 |
| Pretax income | 1,560,000 | 3,164,000 | 4,887,000 | 6,561,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,560,000 | 3,164,000 | 4,887,000 | 6,561,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,988,000 | 47,425,000 | 47,980,000 | 48,487,000 |
| Total capital | 49,939,000 | 50,547,000 | 51,191,000 | 51,747,000 |
| Risk-weighted assets | 338,983,000 | 342,813,000 | 344,273,000 | 345,885,000 |