Call reports 2015
RIVER BANK — 2015
What RIVER BANK 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 | 438,141,000 | 433,196,000 | 438,498,000 | 449,883,000 |
| Total loans | 361,936,000 | 369,994,000 | 375,951,000 | 378,686,000 |
| Allowance for loan losses | 3,348,000 | 3,404,000 | 3,496,000 | 3,590,000 |
| Securities available for sale | 49,325,000 | 45,822,000 | 45,439,000 | 43,889,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 381,586,000 | 376,252,000 | 376,166,000 | 387,807,000 |
| Interest-bearing deposits | 346,446,000 | 339,337,000 | 338,894,000 | 345,685,000 |
| Noninterest-bearing deposits | 35,140,000 | 36,915,000 | 37,272,000 | 42,122,000 |
| Equity capital | 53,750,000 | 54,070,000 | 55,169,000 | 55,976,000 |
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 | 4,288,000 | 8,578,000 | 12,980,000 | 17,346,000 |
| Interest expense | 749,000 | 1,500,000 | 2,240,000 | 2,968,000 |
| Net interest income | 3,539,000 | 7,078,000 | 10,740,000 | 14,378,000 |
| Noninterest income | 234,000 | 458,000 | 683,000 | 892,000 |
| Noninterest expense | 1,680,000 | 3,430,000 | 5,110,000 | 6,812,000 |
| Provision for loan losses | 90,000 | 181,000 | 273,000 | 365,000 |
| Pretax income | 2,014,000 | 3,936,000 | 6,051,000 | 8,104,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,014,000 | 3,936,000 | 6,051,000 | 8,104,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,762,000 | 50,497,000 | 51,426,000 | 52,292,000 |
| Total capital | 53,110,000 | 53,901,000 | 54,922,000 | 55,882,000 |
| Risk-weighted assets | 357,992,000 | 365,856,000 | 367,911,000 | 369,881,000 |