Call reports 2014
RIVERBANK — 2014
What RIVERBANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 41,966,000 | 43,114,000 | 45,626,000 | 45,094,000 |
| Total loans | 35,509,000 | 38,084,000 | 40,408,000 | 40,045,000 |
| Allowance for loan losses | 530,000 | 444,000 | 432,000 | 445,000 |
| Securities available for sale | 1,845,000 | 2,416,000 | 2,376,000 | 2,335,000 |
| Securities held to maturity | 177,000 | 169,000 | 160,000 | 153,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,864,000 | 34,923,000 | 35,414,000 | 34,431,000 |
| Interest-bearing deposits | 32,910,000 | 32,067,000 | 31,783,000 | 31,353,000 |
| Noninterest-bearing deposits | 2,954,000 | 2,856,000 | 3,631,000 | 3,078,000 |
| Equity capital | 5,988,000 | 6,140,000 | 6,272,000 | 6,279,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 505,000 | 1,014,000 | 1,584,000 | 2,195,000 |
| Interest expense | 60,000 | 121,000 | 181,000 | 242,000 |
| Net interest income | 445,000 | 893,000 | 1,403,000 | 1,953,000 |
| Noninterest income | 37,000 | 73,000 | 116,000 | 163,000 |
| Noninterest expense | 298,000 | 577,000 | 873,000 | 1,196,000 |
| Provision for loan losses | 21,000 | 42,000 | 56,000 | 56,000 |
| Pretax income | 167,000 | 351,000 | 592,000 | 866,000 |
| Income tax | 57,000 | 114,000 | 238,000 | 337,000 |
| Net income | 110,000 | 237,000 | 354,000 | 529,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,530,000 | 5,684,000 | 5,857,000 | 5,915,000 |
| Total capital | 5,841,000 | 5,992,000 | 6,206,000 | 6,314,000 |
| Risk-weighted assets | 30,081,000 | 30,834,000 | 35,165,000 | 34,961,000 |