Call reports 2015
RIVERBANK — 2015
What RIVERBANK 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 | 123,827,000 | 123,384,000 | 124,001,000 | 115,811,000 |
| Total loans | 95,353,000 | 94,429,000 | 93,479,000 | 91,104,000 |
| Allowance for loan losses | 1,795,000 | 1,802,000 | 1,807,000 | 1,809,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 200,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,302,000 | 110,847,000 | 111,353,000 | 103,204,000 |
| Interest-bearing deposits | 87,612,000 | 85,335,000 | 85,956,000 | 76,939,000 |
| Noninterest-bearing deposits | 21,689,000 | 25,512,000 | 25,397,000 | 26,264,000 |
| Equity capital | 12,266,000 | 12,287,000 | 12,357,000 | 12,295,000 |
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 | 1,232,000 | 2,436,000 | 3,619,000 | 4,856,000 |
| Interest expense | 162,000 | 330,000 | 494,000 | 647,000 |
| Net interest income | 1,070,000 | 2,106,000 | 3,125,000 | 4,209,000 |
| Noninterest income | 26,000 | 86,000 | 130,000 | 37,000 |
| Noninterest expense | 1,077,000 | 2,152,000 | 3,145,000 | 4,198,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 19,000 | 40,000 | 110,000 | 48,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 19,000 | 40,000 | 110,000 | 48,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,266,000 | 12,287,000 | 12,357,000 | 12,295,000 |
| Total capital | 13,530,000 | 13,533,000 | 13,596,000 | 13,484,000 |
| Risk-weighted assets | 100,556,000 | 99,155,000 | 98,529,000 | 94,504,000 |