Call reports 2015
RIVERS EDGE BANK — 2015
What RIVERS EDGE BANK 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 | 84,078,000 | 83,426,000 | 85,702,000 | 84,269,000 |
| Total loans | 74,672,000 | 76,806,000 | 78,747,000 | 71,033,000 |
| Allowance for loan losses | 877,000 | 927,000 | 927,000 | 927,000 |
| Securities available for sale | 828,000 | 720,000 | 715,000 | 709,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,028,000 | 69,744,000 | 70,334,000 | 71,301,000 |
| Interest-bearing deposits | 50,983,000 | 52,188,000 | 50,763,000 | 50,039,000 |
| Noninterest-bearing deposits | 20,045,000 | 17,555,000 | 19,571,000 | 21,263,000 |
| Equity capital | 8,864,000 | 9,017,000 | 9,191,000 | 9,339,000 |
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 | 909,000 | 1,868,000 | 2,858,000 | 3,791,000 |
| Interest expense | 77,000 | 159,000 | 239,000 | 315,000 |
| Net interest income | 832,000 | 1,709,000 | 2,619,000 | 3,476,000 |
| Noninterest income | 51,000 | 110,000 | 160,000 | 222,000 |
| Noninterest expense | 576,000 | 1,190,000 | 1,816,000 | 2,492,000 |
| Provision for loan losses | 50,000 | 100,000 | 100,000 | 100,000 |
| Pretax income | 257,000 | 529,000 | 863,000 | 1,106,000 |
| Income tax | 17,000 | 34,000 | 53,000 | 67,000 |
| Net income | 240,000 | 495,000 | 810,000 | 1,039,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,191,000 | 7,347,000 | 7,520,000 | 7,672,000 |
| Total capital | 8,068,000 | 8,274,000 | 8,447,000 | 8,552,000 |
| Risk-weighted assets | 74,267,000 | 76,563,000 | 78,871,000 | 70,331,000 |