Call reports 2014
RIVERBANK — 2014
What RIVERBANK 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 | 109,807,000 | 115,199,000 | 118,387,000 | 113,160,000 |
| Total loans | 82,689,000 | 83,832,000 | 89,882,000 | 96,574,000 |
| Allowance for loan losses | 1,531,000 | 1,610,000 | 1,766,000 | 1,789,000 |
| Securities available for sale | 502,000 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 98,638,000 | 101,350,000 | 105,122,000 | 100,644,000 |
| Interest-bearing deposits | 83,078,000 | 81,953,000 | 86,751,000 | 83,525,000 |
| Noninterest-bearing deposits | 15,560,000 | 19,397,000 | 18,371,000 | 17,119,000 |
| Equity capital | 10,919,000 | 13,581,000 | 13,023,000 | 12,248,000 |
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 | 1,046,000 | 2,102,000 | 3,260,000 | 4,525,000 |
| Interest expense | 149,000 | 301,000 | 456,000 | 622,000 |
| Net interest income | 897,000 | 1,801,000 | 2,804,000 | 3,903,000 |
| Noninterest income | 70,000 | 99,000 | 105,000 | -165,000 |
| Noninterest expense | 1,010,000 | 2,153,000 | 3,256,000 | 4,385,000 |
| Provision for loan losses | 0 | 25,000 | 490,000 | 965,000 |
| Pretax income | -43,000 | -278,000 | -837,000 | -1,612,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -43,000 | -278,000 | -837,000 | -1,612,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,917,000 | 13,581,000 | 13,023,000 | 12,248,000 |
| Total capital | 11,975,000 | 14,651,000 | 14,174,000 | 13,485,000 |
| Risk-weighted assets | 84,633,000 | 85,637,000 | 92,063,000 | 99,000,000 |