Call reports 2013
RIVERBANK — 2013
What RIVERBANK 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 | 116,186,000 | 115,434,000 | 104,595,000 | 103,470,000 |
| Total loans | 95,871,000 | 88,927,000 | 79,822,000 | 80,693,000 |
| Allowance for loan losses | 1,537,000 | 1,600,000 | 1,532,000 | 1,530,000 |
| Securities available for sale | 1,781,000 | 1,763,000 | 1,013,000 | 1,007,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 105,066,000 | 104,239,000 | 93,241,000 | 92,194,000 |
| Interest-bearing deposits | 90,549,000 | 88,058,000 | 77,019,000 | 74,268,000 |
| Noninterest-bearing deposits | 14,516,000 | 16,181,000 | 16,221,000 | 17,926,000 |
| Equity capital | 10,916,000 | 10,963,000 | 11,063,000 | 10,967,000 |
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 | 1,350,000 | 2,585,000 | 3,773,000 | 4,838,000 |
| Interest expense | 185,000 | 350,000 | 519,000 | 675,000 |
| Net interest income | 1,165,000 | 2,235,000 | 3,254,000 | 4,163,000 |
| Noninterest income | -16,000 | -20,000 | 99,000 | 126,000 |
| Noninterest expense | 1,047,000 | 1,979,000 | 3,007,000 | 4,033,000 |
| Provision for loan losses | 65,000 | 135,000 | 145,000 | 145,000 |
| Pretax income | 37,000 | 101,000 | 201,000 | 111,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 37,000 | 101,000 | 201,000 | 111,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,888,000 | 10,950,000 | 11,050,000 | 10,960,000 |
| Total capital | 12,133,000 | 12,091,000 | 12,076,000 | 11,992,000 |
| Risk-weighted assets | 99,587,000 | 91,240,000 | 82,105,000 | 82,567,000 |