Call reports 2016
RIVERS EDGE BANK — 2016
What RIVERS EDGE BANK 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 | 81,121,000 | 85,216,000 | 88,301,000 | 89,504,000 |
| Total loans | 72,332,000 | 73,943,000 | 73,947,000 | 73,497,000 |
| Allowance for loan losses | 927,000 | 927,000 | 925,000 | 925,000 |
| Securities available for sale | 703,000 | 789,000 | 1,019,000 | 968,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,060,000 | 71,749,000 | 74,644,000 | 75,963,000 |
| Interest-bearing deposits | 51,107,000 | 53,955,000 | 56,453,000 | 54,254,000 |
| Noninterest-bearing deposits | 16,953,000 | 17,794,000 | 18,191,000 | 21,709,000 |
| Equity capital | 9,421,000 | 9,787,000 | 9,938,000 | 9,903,000 |
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 | 871,000 | 1,780,000 | 2,726,000 | 3,681,000 |
| Interest expense | 75,000 | 158,000 | 239,000 | 326,000 |
| Net interest income | 796,000 | 1,622,000 | 2,487,000 | 3,355,000 |
| Noninterest income | 57,000 | 119,000 | 188,000 | 263,000 |
| Noninterest expense | 607,000 | 1,171,000 | 1,781,000 | 2,449,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 246,000 | 570,000 | 894,000 | 1,169,000 |
| Income tax | 13,000 | -28,000 | -31,000 | -27,000 |
| Net income | 233,000 | 598,000 | 925,000 | 1,196,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,754,000 | 8,119,000 | 8,271,000 | 8,242,000 |
| Total capital | 8,650,000 | 9,031,000 | 9,189,000 | 9,151,000 |
| Risk-weighted assets | 71,618,000 | 72,926,000 | 73,470,000 | 72,738,000 |