Call reports 2014
BANK OF RIVER OAKS, THE — 2014
What BANK OF RIVER OAKS, THE 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 | 418,472,000 | 422,536,000 | 434,259,000 | 420,246,000 |
| Total loans | 258,301,000 | 266,411,000 | 296,508,000 | 310,609,000 |
| Allowance for loan losses | 2,050,000 | 2,050,000 | 1,794,000 | 2,150,000 |
| Securities available for sale | 67,652,000 | 69,327,000 | 74,056,000 | 71,812,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 366,929,000 | 367,050,000 | 377,886,000 | 358,656,000 |
| Interest-bearing deposits | 232,131,000 | 231,867,000 | 240,348,000 | 216,026,000 |
| Noninterest-bearing deposits | 134,798,000 | 135,183,000 | 137,538,000 | 142,630,000 |
| Equity capital | 38,894,000 | 40,160,000 | 41,082,000 | 41,870,000 |
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 | 3,678,000 | 7,623,000 | 11,797,000 | 16,182,000 |
| Interest expense | 326,000 | 666,000 | 1,012,000 | 1,305,000 |
| Net interest income | 3,352,000 | 6,957,000 | 10,785,000 | 14,877,000 |
| Noninterest income | 175,000 | 349,000 | 519,000 | 685,000 |
| Noninterest expense | 2,703,000 | 5,319,000 | 7,834,000 | 10,335,000 |
| Provision for loan losses | 0 | 0 | 100,000 | 880,000 |
| Pretax income | 857,000 | 2,089,000 | 3,528,000 | 4,630,000 |
| Income tax | 285,000 | 688,000 | 1,160,000 | 1,549,000 |
| Net income | 572,000 | 1,401,000 | 2,368,000 | 3,081,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,718,000 | 40,550,000 | 41,520,000 | 42,236,000 |
| Total capital | 41,768,000 | 42,600,000 | 43,314,000 | 44,386,000 |
| Risk-weighted assets | 290,707,000 | 293,764,000 | 323,197,000 | 335,595,000 |