Call reports 2017
BANK OF RIVER OAKS, THE — 2017
What BANK OF RIVER OAKS, THE reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 437,139,000 | 428,228,000 | 439,116,000 | 454,391,000 |
| Total loans | 312,241,000 | 324,820,000 | 329,322,000 | 343,609,000 |
| Allowance for loan losses | 3,311,000 | 3,246,000 | 3,241,000 | 3,818,000 |
| Securities available for sale | 63,731,000 | 63,161,000 | 64,889,000 | 66,457,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 388,554,000 | 365,283,000 | 380,139,000 | 406,097,000 |
| Interest-bearing deposits | 256,484,000 | 238,580,000 | 240,697,000 | 237,203,000 |
| Noninterest-bearing deposits | 132,070,000 | 126,703,000 | 139,442,000 | 168,894,000 |
| Equity capital | 46,862,000 | 46,743,000 | 47,222,000 | 46,160,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 4,120,000 | 8,181,000 | 12,559,000 | 17,101,000 |
| Interest expense | 188,000 | 372,000 | 622,000 | 856,000 |
| Net interest income | 3,932,000 | 7,809,000 | 11,937,000 | 16,245,000 |
| Noninterest income | 161,000 | 371,000 | 516,000 | 702,000 |
| Noninterest expense | 2,555,000 | 5,050,000 | 7,577,000 | 10,192,000 |
| Provision for loan losses | 0 | 1,900,000 | 1,900,000 | 1,855,000 |
| Pretax income | 1,538,000 | 1,245,000 | 3,015,000 | 4,939,000 |
| Income tax | 510,000 | 417,000 | 925,000 | 2,360,000 |
| Net income | 1,028,000 | 828,000 | 2,090,000 | 2,579,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,661,000 | 47,117,000 | 47,628,000 | 47,016,000 |
| Total capital | 50,972,000 | 50,363,000 | 50,869,000 | 50,834,000 |
| Risk-weighted assets | 344,733,000 | 359,016,000 | 371,466,000 | 384,334,000 |