Call reports 2013
RIVERBANK — 2013
What RIVERBANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 41,892,000 | 44,867,000 | 45,805,000 | 42,009,000 |
| Total loans | 32,693,000 | 37,192,000 | 39,918,000 | 36,675,000 |
| Allowance for loan losses | 451,000 | 474,000 | 493,000 | 515,000 |
| Securities available for sale | 2,032,000 | 2,113,000 | 2,064,000 | 2,069,000 |
| Securities held to maturity | 320,000 | 306,000 | 194,000 | 186,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,222,000 | 35,920,000 | 36,345,000 | 36,064,000 |
| Interest-bearing deposits | 32,899,000 | 33,422,000 | 33,184,000 | 32,643,000 |
| Noninterest-bearing deposits | 3,323,000 | 2,498,000 | 3,161,000 | 3,421,000 |
| Equity capital | 5,608,000 | 5,709,000 | 5,796,000 | 5,849,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 449,000 | 947,000 | 1,479,000 | 1,993,000 |
| Interest expense | 68,000 | 134,000 | 201,000 | 270,000 |
| Net interest income | 381,000 | 813,000 | 1,278,000 | 1,723,000 |
| Noninterest income | 28,000 | 66,000 | 84,000 | 105,000 |
| Noninterest expense | 260,000 | 549,000 | 817,000 | 1,108,000 |
| Provision for loan losses | 21,000 | 42,000 | 63,000 | 84,000 |
| Pretax income | 128,000 | 288,000 | 482,000 | 636,000 |
| Income tax | 51,000 | 102,000 | 159,000 | 252,000 |
| Net income | 77,000 | 186,000 | 323,000 | 384,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,795,000 | 4,995,000 | 5,172,000 | 5,339,000 |
| Total capital | 5,079,000 | 5,299,000 | 5,492,000 | 5,707,000 |
| Risk-weighted assets | 25,776,000 | 27,416,000 | 28,639,000 | 32,552,000 |