Call reports 2013
BANK OF RIVER OAKS, THE — 2013
What BANK OF RIVER OAKS, THE 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 | 328,309,000 | 323,089,000 | 326,647,000 | 378,496,000 |
| Total loans | 240,143,000 | 239,190,000 | 236,556,000 | 248,846,000 |
| Allowance for loan losses | 2,203,000 | 2,203,000 | 2,062,000 | 2,050,000 |
| Securities available for sale | 25,209,000 | 35,026,000 | 46,730,000 | 53,877,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 288,795,000 | 283,544,000 | 283,998,000 | 335,316,000 |
| Interest-bearing deposits | 175,343,000 | 182,153,000 | 173,034,000 | 210,715,000 |
| Noninterest-bearing deposits | 113,452,000 | 101,391,000 | 110,964,000 | 124,601,000 |
| Equity capital | 36,636,000 | 36,697,000 | 37,760,000 | 38,024,000 |
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 | 3,499,000 | 7,067,000 | 10,663,000 | 14,311,000 |
| Interest expense | 234,000 | 482,000 | 731,000 | 1,029,000 |
| Net interest income | 3,265,000 | 6,585,000 | 9,932,000 | 13,282,000 |
| Noninterest income | 150,000 | 316,000 | 467,000 | 643,000 |
| Noninterest expense | 2,127,000 | 4,258,000 | 6,583,000 | 8,978,000 |
| Provision for loan losses | 135,000 | 135,000 | 0 | 0 |
| Pretax income | 1,179,000 | 2,542,000 | 3,876,000 | 5,024,000 |
| Income tax | 402,000 | 861,000 | 1,308,000 | 1,692,000 |
| Net income | 777,000 | 1,681,000 | 2,568,000 | 3,332,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,834,000 | 37,755,000 | 38,670,000 | 39,190,000 |
| Total capital | 39,037,000 | 39,958,000 | 40,731,000 | 41,240,000 |
| Risk-weighted assets | 243,420,000 | 251,212,000 | 253,115,000 | 268,603,000 |