Call reports 2014
RIVER BANK & TRUST — 2014
What RIVER BANK & TRUST 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 | 435,463,000 | 438,089,000 | 431,202,000 | 446,707,000 |
| Total loans | 241,016,000 | 249,307,000 | 258,241,000 | 265,301,000 |
| Allowance for loan losses | 3,905,000 | 3,639,000 | 3,645,000 | 3,778,000 |
| Securities available for sale | 142,729,000 | 145,255,000 | 138,678,000 | 130,285,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 375,280,000 | 379,834,000 | 374,154,000 | 389,027,000 |
| Interest-bearing deposits | 303,368,000 | 303,683,000 | 295,474,000 | 298,992,000 |
| Noninterest-bearing deposits | 71,912,000 | 76,152,000 | 78,679,000 | 90,035,000 |
| Equity capital | 39,411,000 | 40,203,000 | 41,329,000 | 42,838,000 |
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 | 3,804,000 | 7,642,000 | 11,580,000 | 15,475,000 |
| Interest expense | 333,000 | 653,000 | 967,000 | 1,273,000 |
| Net interest income | 3,471,000 | 6,989,000 | 10,613,000 | 14,202,000 |
| Noninterest income | 515,000 | 1,078,000 | 1,832,000 | 2,441,000 |
| Noninterest expense | 2,547,000 | 5,134,000 | 7,813,000 | 10,572,000 |
| Provision for loan losses | 264,000 | 528,000 | 793,000 | 1,057,000 |
| Pretax income | 1,186,000 | 2,416,000 | 3,850,000 | 5,034,000 |
| Income tax | 370,000 | 740,000 | 1,186,000 | 1,534,000 |
| Net income | 816,000 | 1,676,000 | 2,664,000 | 3,500,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,530,000 | 40,395,000 | 41,389,000 | 42,232,000 |
| Total capital | 43,957,000 | 43,896,000 | 44,937,000 | 45,913,000 |
| Risk-weighted assets | 273,689,000 | 279,921,000 | 283,703,000 | 294,396,000 |