Call reports 2016
RIVERBANK — 2016
What RIVERBANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 64,516,000 | 70,343,000 | 78,607,000 | 75,469,000 |
| Total loans | 55,117,000 | 62,843,000 | 70,528,000 | 67,699,000 |
| Allowance for loan losses | 492,000 | 521,000 | 555,000 | 571,000 |
| Securities available for sale | 1,944,000 | 2,054,000 | 1,798,000 | 1,717,000 |
| Securities held to maturity | 90,000 | 90,000 | 492,000 | 478,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,844,000 | 59,135,000 | 59,998,000 | 60,671,000 |
| Interest-bearing deposits | 50,217,000 | 53,542,000 | 55,135,000 | 56,546,000 |
| Noninterest-bearing deposits | 4,627,000 | 5,593,000 | 4,863,000 | 4,125,000 |
| Equity capital | 7,083,000 | 7,230,000 | 7,240,000 | 7,120,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 698,000 | 1,517,000 | 2,447,000 | 3,454,000 |
| Interest expense | 127,000 | 291,000 | 464,000 | 651,000 |
| Net interest income | 571,000 | 1,226,000 | 1,983,000 | 2,803,000 |
| Noninterest income | 39,000 | 94,000 | 135,000 | 182,000 |
| Noninterest expense | 394,000 | 766,000 | 1,213,000 | 1,500,000 |
| Provision for loan losses | 21,000 | 53,000 | 86,000 | 119,000 |
| Pretax income | 213,000 | 519,000 | 838,000 | 1,385,000 |
| Income tax | 0 | 0 | 0 | 347,000 |
| Net income | 213,000 | 519,000 | 838,000 | 1,038,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,810,000 | 6,954,000 | 7,004,000 | 6,931,000 |
| Total capital | 7,302,000 | 7,475,000 | 7,559,000 | 7,502,000 |
| Risk-weighted assets | 49,909,000 | 49,569,000 | 52,698,000 | 48,534,000 |