Call reports 2015
RIVERBANK — 2015
What RIVERBANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 46,911,000 | 51,238,000 | 54,469,000 | 55,446,000 |
| Total loans | 40,314,000 | 44,742,000 | 47,533,000 | 49,014,000 |
| Allowance for loan losses | 455,000 | 451,000 | 445,000 | 468,000 |
| Securities available for sale | 1,731,000 | 2,687,000 | 2,438,000 | 2,337,000 |
| Securities held to maturity | 0 | 0 | 0 | 90,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,691,000 | 40,657,000 | 43,476,000 | 44,818,000 |
| Interest-bearing deposits | 35,100,000 | 38,069,000 | 40,650,000 | 41,502,000 |
| Noninterest-bearing deposits | 2,591,000 | 2,588,000 | 2,826,000 | 3,316,000 |
| Equity capital | 6,392,000 | 6,534,000 | 6,725,000 | 6,886,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 546,000 | 1,108,000 | 1,736,000 | 2,384,000 |
| Interest expense | 65,000 | 141,000 | 227,000 | 324,000 |
| Net interest income | 481,000 | 967,000 | 1,509,000 | 2,060,000 |
| Noninterest income | 34,000 | 93,000 | 151,000 | 216,000 |
| Noninterest expense | 323,000 | 647,000 | 1,005,000 | 1,432,000 |
| Provision for loan losses | 10,000 | 40,000 | 70,000 | 100,000 |
| Pretax income | 182,000 | 373,000 | 585,000 | 744,000 |
| Income tax | 65,000 | 130,000 | 157,000 | 157,000 |
| Net income | 117,000 | 243,000 | 428,000 | 587,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,105,000 | 6,238,000 | 6,430,000 | 6,596,000 |
| Total capital | 6,544,000 | 6,689,000 | 6,875,000 | 7,064,000 |
| Risk-weighted assets | 35,165,000 | 42,305,000 | 45,773,000 | 45,050,000 |