Call reports 2012
RIVERBANK — 2012
What RIVERBANK 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 | 44,040,000 | 41,079,000 | 41,996,000 | 41,690,000 |
| Total loans | 30,535,000 | 34,463,000 | 35,407,000 | 32,931,000 |
| Allowance for loan losses | 367,000 | 499,000 | 434,000 | 454,000 |
| Securities available for sale | 1,858,000 | 2,301,000 | 2,427,000 | 1,824,000 |
| Securities held to maturity | 362,000 | 350,000 | 341,000 | 330,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,671,000 | 35,635,000 | 36,379,000 | 36,038,000 |
| Interest-bearing deposits | 35,835,000 | 33,708,000 | 34,818,000 | 32,089,000 |
| Noninterest-bearing deposits | 2,836,000 | 1,927,000 | 1,561,000 | 3,949,000 |
| Equity capital | 5,266,000 | 5,368,000 | 5,518,000 | 5,550,000 |
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 | 434,000 | 910,000 | 1,426,000 | 1,911,000 |
| Interest expense | 98,000 | 184,000 | 264,000 | 338,000 |
| Net interest income | 336,000 | 726,000 | 1,162,000 | 1,573,000 |
| Noninterest income | 33,000 | 77,000 | 114,000 | 143,000 |
| Noninterest expense | 253,000 | 528,000 | 798,000 | 1,074,000 |
| Provision for loan losses | 14,000 | 40,000 | 61,000 | 82,000 |
| Pretax income | 102,000 | 235,000 | 417,000 | 560,000 |
| Income tax | 20,000 | 50,000 | 94,000 | 188,000 |
| Net income | 82,000 | 185,000 | 323,000 | 372,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,339,000 | 4,480,000 | 4,712,000 | 4,770,000 |
| Total capital | 4,614,000 | 4,771,000 | 5,022,000 | 5,069,000 |
| Risk-weighted assets | 25,184,000 | 26,255,000 | 27,886,000 | 27,021,000 |