Call reports 2012
RIVERS EDGE BANK — 2012
What RIVERS EDGE BANK 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 | 72,260,000 | 72,249,000 | 69,741,000 | 77,267,000 |
| Total loans | 53,442,000 | 57,914,000 | 57,897,000 | 57,588,000 |
| Allowance for loan losses | 335,000 | 373,000 | 398,000 | 440,000 |
| Securities available for sale | 1,715,000 | 1,691,000 | 1,477,000 | 1,449,000 |
| Securities held to maturity | 102,000 | 101,000 | 101,000 | 100,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,817,000 | 60,757,000 | 59,423,000 | 66,831,000 |
| Interest-bearing deposits | 45,666,000 | 45,955,000 | 44,971,000 | 46,659,000 |
| Noninterest-bearing deposits | 15,151,000 | 14,802,000 | 14,452,000 | 20,172,000 |
| Equity capital | 7,259,000 | 7,384,000 | 7,597,000 | 7,743,000 |
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 | 811,000 | 1,648,000 | 2,537,000 | 3,374,000 |
| Interest expense | 107,000 | 206,000 | 293,000 | 370,000 |
| Net interest income | 704,000 | 1,442,000 | 2,244,000 | 3,004,000 |
| Noninterest income | 167,000 | 254,000 | 453,000 | 547,000 |
| Noninterest expense | 515,000 | 1,022,000 | 1,548,000 | 2,086,000 |
| Provision for loan losses | 88,000 | 130,000 | 173,000 | 215,000 |
| Pretax income | 268,000 | 544,000 | 976,000 | 1,250,000 |
| Income tax | 14,000 | 33,000 | 59,000 | 84,000 |
| Net income | 254,000 | 511,000 | 917,000 | 1,166,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,442,000 | 5,581,000 | 5,854,000 | 6,013,000 |
| Total capital | 5,777,000 | 5,954,000 | 6,252,000 | 6,453,000 |
| Risk-weighted assets | 54,436,000 | 58,034,000 | 56,738,000 | 55,881,000 |