Call reports 2013
RIVER BANK & TRUST — 2013
What RIVER BANK & TRUST 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 | 403,224,000 | 405,719,000 | 416,883,000 | 443,483,000 |
| Total loans | 218,764,000 | 227,329,000 | 229,474,000 | 237,513,000 |
| Allowance for loan losses | 3,660,000 | 3,314,000 | 3,553,000 | 3,701,000 |
| Securities available for sale | 132,951,000 | 134,570,000 | 146,983,000 | 154,455,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 354,259,000 | 360,535,000 | 369,201,000 | 395,695,000 |
| Interest-bearing deposits | 288,211,000 | 294,386,000 | 296,019,000 | 305,611,000 |
| Noninterest-bearing deposits | 66,048,000 | 66,149,000 | 73,182,000 | 90,083,000 |
| Equity capital | 38,997,000 | 36,888,000 | 36,984,000 | 37,876,000 |
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 | 3,600,000 | 7,187,000 | 10,919,000 | 14,740,000 |
| Interest expense | 400,000 | 789,000 | 1,170,000 | 1,524,000 |
| Net interest income | 3,200,000 | 6,398,000 | 9,749,000 | 13,216,000 |
| Noninterest income | 518,000 | 1,103,000 | 1,683,000 | 2,165,000 |
| Noninterest expense | 2,599,000 | 5,245,000 | 7,785,000 | 10,200,000 |
| Provision for loan losses | 197,000 | 465,000 | 733,000 | 957,000 |
| Pretax income | 943,000 | 1,877,000 | 3,048,000 | 4,366,000 |
| Income tax | 294,000 | 592,000 | 969,000 | 1,383,000 |
| Net income | 649,000 | 1,285,000 | 2,079,000 | 2,983,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,345,000 | 37,989,000 | 38,795,000 | 39,705,000 |
| Total capital | 41,469,000 | 41,215,000 | 42,075,000 | 43,122,000 |
| Risk-weighted assets | 249,397,000 | 257,956,000 | 262,151,000 | 273,056,000 |