Call reports 2012
RIVERBANK — 2012
What RIVERBANK 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 | 137,819,000 | 130,655,000 | 127,218,000 | 129,213,000 |
| Total loans | 108,770,000 | 111,186,000 | 102,614,000 | 100,520,000 |
| Allowance for loan losses | 2,474,000 | 2,588,000 | 2,305,000 | 2,169,000 |
| Securities available for sale | 1,515,000 | 1,023,000 | 519,000 | 2,535,000 |
| Securities held to maturity | 1,533,000 | 2,550,000 | 2,545,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 122,591,000 | 116,009,000 | 115,930,000 | 118,103,000 |
| Interest-bearing deposits | 103,701,000 | 97,248,000 | 98,490,000 | 99,066,000 |
| Noninterest-bearing deposits | 18,890,000 | 18,761,000 | 17,439,000 | 19,038,000 |
| Equity capital | 14,897,000 | 14,304,000 | 10,930,000 | 10,878,000 |
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 | 1,638,000 | 3,172,000 | 4,681,000 | 6,063,000 |
| Interest expense | 316,000 | 569,000 | 796,000 | 1,015,000 |
| Net interest income | 1,322,000 | 2,603,000 | 3,885,000 | 5,048,000 |
| Noninterest income | 35,000 | 124,000 | -1,672,000 | -1,631,000 |
| Noninterest expense | 1,084,000 | 2,182,000 | 3,461,000 | 4,585,000 |
| Provision for loan losses | 180,000 | 1,055,000 | 2,635,000 | 2,835,000 |
| Pretax income | 93,000 | -510,000 | -3,883,000 | -3,948,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 93,000 | -510,000 | -3,883,000 | -3,948,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,882,000 | 14,282,000 | 10,911,000 | 10,848,000 |
| Total capital | 16,244,000 | 15,717,000 | 12,243,000 | 12,176,000 |
| Risk-weighted assets | 108,964,000 | 114,772,000 | 106,549,000 | 106,228,000 |