Call reports 2018
RIVERS EDGE BANK — 2018
What RIVERS EDGE BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 187,803,000 | 192,233,000 | 186,643,000 | 205,409,000 |
| Total loans | 155,748,000 | 160,995,000 | 162,025,000 | 162,824,000 |
| Allowance for loan losses | 1,801,000 | 1,914,000 | 1,975,000 | 2,054,000 |
| Securities available for sale | 7,524,000 | 6,817,000 | 6,649,000 | 6,082,000 |
| Securities held to maturity | 1,530,000 | 1,228,000 | 1,037,000 | 1,036,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 155,275,000 | 159,469,000 | 147,535,000 | 165,305,000 |
| Interest-bearing deposits | 118,383,000 | 121,813,000 | 114,742,000 | 128,125,000 |
| Noninterest-bearing deposits | 36,891,000 | 37,656,000 | 32,793,000 | 37,180,000 |
| Equity capital | 20,428,000 | 20,552,000 | 20,782,000 | 20,969,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 2,066,000 | 4,233,000 | 6,454,000 | 8,774,000 |
| Interest expense | 296,000 | 655,000 | 1,026,000 | 1,525,000 |
| Net interest income | 1,770,000 | 3,578,000 | 5,428,000 | 7,249,000 |
| Noninterest income | 57,000 | 136,000 | 238,000 | 351,000 |
| Noninterest expense | 1,264,000 | 2,500,000 | 3,712,000 | 5,036,000 |
| Provision for loan losses | 65,000 | 180,000 | 245,000 | 325,000 |
| Pretax income | 498,000 | 1,034,000 | 1,709,000 | 2,239,000 |
| Income tax | 28,000 | 60,000 | 100,000 | 108,000 |
| Net income | 470,000 | 974,000 | 1,609,000 | 2,131,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,781,000 | 16,913,000 | 17,175,000 | 17,323,000 |
| Total capital | 18,582,000 | 18,827,000 | 19,150,000 | 19,346,000 |
| Risk-weighted assets | 153,699,000 | 159,289,000 | 161,854,000 | 161,813,000 |