Call reports 2015
RIVER BANK & TRUST — 2015
What RIVER BANK & TRUST 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 | 445,053,000 | 447,765,000 | 461,234,000 | 717,326,000 |
| Total loans | 277,518,000 | 291,455,000 | 305,019,000 | 482,085,000 |
| Allowance for loan losses | 3,925,000 | 3,920,000 | 4,037,000 | 3,827,000 |
| Securities available for sale | 124,834,000 | 117,500,000 | 102,555,000 | 144,720,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 386,492,000 | 385,630,000 | 400,117,000 | 611,385,000 |
| Interest-bearing deposits | 299,131,000 | 298,433,000 | 303,315,000 | 486,054,000 |
| Noninterest-bearing deposits | 87,361,000 | 87,197,000 | 96,802,000 | 125,330,000 |
| Equity capital | 44,069,000 | 44,403,000 | 44,862,000 | 82,277,000 |
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 | 3,933,000 | 7,951,000 | 12,086,000 | 16,335,000 |
| Interest expense | 305,000 | 613,000 | 919,000 | 1,220,000 |
| Net interest income | 3,628,000 | 7,338,000 | 11,167,000 | 15,115,000 |
| Noninterest income | 731,000 | 1,498,000 | 2,246,000 | 2,930,000 |
| Noninterest expense | 2,849,000 | 5,765,000 | 8,792,000 | 11,857,000 |
| Provision for loan losses | 139,000 | 278,000 | 417,000 | 556,000 |
| Pretax income | 1,376,000 | 2,806,000 | 4,228,000 | 5,656,000 |
| Income tax | 410,000 | 834,000 | 1,254,000 | 1,681,000 |
| Net income | 966,000 | 1,972,000 | 2,974,000 | 3,975,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,205,000 | 44,214,000 | 44,223,000 | 71,193,000 |
| Total capital | 47,130,000 | 48,134,000 | 48,260,000 | 75,020,000 |
| Risk-weighted assets | 320,604,000 | 332,384,000 | 348,265,000 | 540,253,000 |