Call reports 2015
BANK OF RIVER OAKS, THE — 2015
What BANK OF RIVER OAKS, THE 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 | 424,809,000 | 431,857,000 | 453,470,000 | 437,792,000 |
| Total loans | 328,977,000 | 324,692,000 | 332,614,000 | 328,980,000 |
| Allowance for loan losses | 2,112,000 | 2,263,000 | 2,787,000 | 4,073,000 |
| Securities available for sale | 46,021,000 | 57,065,000 | 60,854,000 | 65,861,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 366,038,000 | 370,094,000 | 386,441,000 | 368,432,000 |
| Interest-bearing deposits | 231,493,000 | 231,936,000 | 238,969,000 | 230,905,000 |
| Noninterest-bearing deposits | 134,545,000 | 138,158,000 | 147,472,000 | 137,527,000 |
| Equity capital | 43,126,000 | 45,294,000 | 45,578,000 | 43,639,000 |
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 | 4,288,000 | 8,591,000 | 13,141,000 | 17,428,000 |
| Interest expense | 243,000 | 489,000 | 736,000 | 975,000 |
| Net interest income | 4,045,000 | 8,102,000 | 12,405,000 | 16,453,000 |
| Noninterest income | 168,000 | 375,000 | 576,000 | 766,000 |
| Noninterest expense | 2,702,000 | 5,369,000 | 8,043,000 | 11,040,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 3,495,000 |
| Pretax income | 1,507,000 | 2,954,000 | 4,641,000 | 2,847,000 |
| Income tax | 499,000 | 974,000 | 1,527,000 | 1,189,000 |
| Net income | 1,008,000 | 1,980,000 | 3,114,000 | 1,658,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,264,000 | 45,809,000 | 45,776,000 | 43,964,000 |
| Total capital | 45,376,000 | 48,072,000 | 48,563,000 | 48,037,000 |
| Risk-weighted assets | 358,936,000 | 360,756,000 | 372,438,000 | 379,082,000 |