Call reports 2016
RIVER BANK & TRUST — 2016
What RIVER BANK & TRUST 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 | 725,308,000 | 741,992,000 | 766,495,000 | 810,312,000 |
| Total loans | 486,072,000 | 502,802,000 | 505,858,000 | 524,175,000 |
| Allowance for loan losses | 4,071,000 | 4,122,000 | 4,289,000 | 4,007,000 |
| Securities available for sale | 141,758,000 | 136,628,000 | 171,717,000 | 183,361,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 615,703,000 | 642,564,000 | 663,273,000 | 706,779,000 |
| Interest-bearing deposits | 489,533,000 | 495,009,000 | 506,006,000 | 519,643,000 |
| Noninterest-bearing deposits | 126,170,000 | 147,556,000 | 157,267,000 | 187,137,000 |
| Equity capital | 84,095,000 | 86,464,000 | 88,060,000 | 86,880,000 |
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 | 7,217,000 | 14,711,000 | 22,501,000 | 30,308,000 |
| Interest expense | 531,000 | 1,054,000 | 1,582,000 | 2,103,000 |
| Net interest income | 6,686,000 | 13,657,000 | 20,919,000 | 28,205,000 |
| Noninterest income | 1,012,000 | 2,232,000 | 3,585,000 | 4,827,000 |
| Noninterest expense | 4,800,000 | 9,796,000 | 14,859,000 | 20,232,000 |
| Provision for loan losses | 232,000 | 447,000 | 662,000 | 878,000 |
| Pretax income | 2,666,000 | 5,660,000 | 8,997,000 | 11,946,000 |
| Income tax | 841,000 | 1,793,000 | 2,878,000 | 3,817,000 |
| Net income | 1,825,000 | 3,867,000 | 6,119,000 | 8,129,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 71,579,000 | 73,734,000 | 75,596,000 | 77,712,000 |
| Total capital | 75,650,000 | 77,857,000 | 79,885,000 | 81,719,000 |
| Risk-weighted assets | 549,280,000 | 564,530,000 | 569,471,000 | 597,553,000 |