Call reports 2016
BANK OF RIVER OAKS, THE — 2016
What BANK OF RIVER OAKS, THE 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 | 444,938,000 | 430,729,000 | 441,208,000 | 446,747,000 |
| Total loans | 334,326,000 | 327,709,000 | 335,476,000 | 339,571,000 |
| Allowance for loan losses | 3,521,000 | 3,521,000 | 3,311,000 | 3,311,000 |
| Securities available for sale | 53,020,000 | 43,947,000 | 55,639,000 | 59,647,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 370,953,000 | 363,738,000 | 369,140,000 | 364,642,000 |
| Interest-bearing deposits | 229,361,000 | 217,021,000 | 220,578,000 | 222,775,000 |
| Noninterest-bearing deposits | 141,592,000 | 146,717,000 | 148,562,000 | 141,867,000 |
| Equity capital | 45,042,000 | 46,237,000 | 47,119,000 | 47,370,000 |
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 | 4,329,000 | 8,400,000 | 12,533,000 | 16,690,000 |
| Interest expense | 239,000 | 464,000 | 655,000 | 840,000 |
| Net interest income | 4,090,000 | 7,936,000 | 11,878,000 | 15,850,000 |
| Noninterest income | 178,000 | 352,000 | 550,000 | 721,000 |
| Noninterest expense | 2,845,000 | 5,889,000 | 8,654,000 | 11,071,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,531,000 | 2,572,000 | 3,947,000 | 5,666,000 |
| Income tax | 500,000 | 444,000 | 670,000 | 1,204,000 |
| Net income | 1,031,000 | 2,128,000 | 3,277,000 | 4,462,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,123,000 | 46,149,000 | 47,096,000 | 48,428,000 |
| Total capital | 48,644,000 | 49,670,000 | 50,407,000 | 51,739,000 |
| Risk-weighted assets | 379,050,000 | 358,694,000 | 369,850,000 | 371,936,000 |