Call reports 2016
RIVER BANK — 2016
What RIVER BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 444,545,000 | 446,258,000 | 455,018,000 | 453,458,000 |
| Total loans | 379,135,000 | 382,224,000 | 386,731,000 | 395,180,000 |
| Allowance for loan losses | 3,728,000 | 3,866,000 | 3,986,000 | 4,126,000 |
| Securities available for sale | 43,361,000 | 42,001,000 | 41,546,000 | 39,962,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 377,073,000 | 373,996,000 | 382,509,000 | 393,189,000 |
| Interest-bearing deposits | 339,383,000 | 335,639,000 | 339,912,000 | 347,592,000 |
| Noninterest-bearing deposits | 37,690,000 | 38,357,000 | 42,597,000 | 45,597,000 |
| Equity capital | 57,048,000 | 58,013,000 | 58,729,000 | 50,659,000 |
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 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 4,406,000 | 8,757,000 | 13,138,000 | 17,684,000 |
| Interest expense | 722,000 | 1,435,000 | 2,168,000 | 2,899,000 |
| Net interest income | 3,684,000 | 7,322,000 | 10,970,000 | 14,785,000 |
| Noninterest income | 209,000 | 438,000 | 654,000 | 973,000 |
| Noninterest expense | 1,706,000 | 3,420,000 | 5,121,000 | 6,957,000 |
| Provision for loan losses | 136,000 | 273,000 | 411,000 | 549,000 |
| Pretax income | 2,051,000 | 4,067,000 | 6,092,000 | 8,252,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,051,000 | 4,067,000 | 6,092,000 | 8,252,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 53,038,000 | 53,875,000 | 54,719,000 | 47,549,000 |
| Total capital | 56,766,000 | 57,741,000 | 58,705,000 | 51,675,000 |
| Risk-weighted assets | 369,141,000 | 375,991,000 | 381,872,000 | 391,220,000 |