Call reports 2020
RIVERHILLS BANK — 2020
What RIVERHILLS BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 201,249,000 | 228,473,000 | 240,885,000 | 240,557,000 |
| Total loans | 133,783,000 | 148,536,000 | 147,914,000 | 144,096,000 |
| Allowance for loan losses | 2,119,000 | 2,286,000 | 2,352,000 | 2,661,000 |
| Securities available for sale | 48,286,000 | 57,975,000 | 60,467,000 | 65,815,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 180,719,000 | 209,789,000 | 219,265,000 | 220,174,000 |
| Interest-bearing deposits | 134,580,000 | 151,496,000 | 153,950,000 | 154,087,000 |
| Noninterest-bearing deposits | 46,139,000 | 58,293,000 | 65,315,000 | 66,087,000 |
| Equity capital | 11,200,000 | 13,897,000 | 16,691,000 | 17,701,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 2,347,000 | 4,899,000 | 7,520,000 | 9,961,000 |
| Interest expense | 341,000 | 616,000 | 860,000 | 1,089,000 |
| Net interest income | 2,006,000 | 4,283,000 | 6,660,000 | 8,872,000 |
| Noninterest income | 405,000 | 1,051,000 | 1,987,000 | 2,885,000 |
| Noninterest expense | 1,712,000 | 3,652,000 | 5,881,000 | 8,431,000 |
| Provision for loan losses | 49,000 | 218,000 | 278,000 | 588,000 |
| Pretax income | 723,000 | 1,559,000 | 2,809,000 | 3,331,000 |
| Income tax | 83,000 | 188,000 | 381,000 | 422,000 |
| Net income | 640,000 | 1,371,000 | 2,428,000 | 2,909,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,455,000 | 20,187,000 | 21,244,000 | 20,925,000 |
| Total capital | 21,574,000 | 22,463,000 | 23,589,000 | 23,248,000 |
| Risk-weighted assets | 174,014,000 | 182,116,000 | 187,599,000 | 185,507,000 |