Call reports 2016
RIVERBANK — 2016
What RIVERBANK 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 | 113,171,000 | 119,225,000 | 127,173,000 | 124,578,000 |
| Total loans | 91,389,000 | 95,659,000 | 96,632,000 | 96,843,000 |
| Allowance for loan losses | 1,811,000 | 1,861,000 | 1,824,000 | 1,889,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 200,000 | 200,000 | 200,000 | 200,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,515,000 | 106,678,000 | 114,409,000 | 109,670,000 |
| Interest-bearing deposits | 71,231,000 | 80,811,000 | 86,329,000 | 77,820,000 |
| Noninterest-bearing deposits | 29,285,000 | 25,867,000 | 28,080,000 | 31,850,000 |
| Equity capital | 12,297,000 | 12,289,000 | 12,476,000 | 12,455,000 |
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 | 1,217,000 | 2,420,000 | 3,693,000 | 5,070,000 |
| Interest expense | 141,000 | 276,000 | 403,000 | 521,000 |
| Net interest income | 1,076,000 | 2,144,000 | 3,290,000 | 4,549,000 |
| Noninterest income | 34,000 | 70,000 | 247,000 | 266,000 |
| Noninterest expense | 1,109,000 | 2,220,000 | 3,347,000 | 4,630,000 |
| Provision for loan losses | 0 | 0 | 10,000 | 25,000 |
| Pretax income | 1,000 | -6,000 | 180,000 | 160,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,000 | -6,000 | 180,000 | 160,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,297,000 | 12,289,000 | 12,476,000 | 12,455,000 |
| Total capital | 13,481,000 | 13,516,000 | 13,709,000 | 13,744,000 |
| Risk-weighted assets | 94,032,000 | 97,513,000 | 98,024,000 | 102,449,000 |