Call reports 2019
ROOT RIVER STATE BANK — 2019
What ROOT RIVER STATE BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 69,307,000 | 68,632,000 | 69,256,000 | 69,645,000 |
| Total loans | 35,244,000 | 35,194,000 | 34,749,000 | 32,752,000 |
| Allowance for loan losses | 248,000 | 249,000 | 249,000 | 250,000 |
| Securities available for sale | 13,996,000 | 14,717,000 | 15,540,000 | 16,533,000 |
| Securities held to maturity | 8,772,000 | 8,380,000 | 8,057,000 | 7,708,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,691,000 | 59,816,000 | 60,435,000 | 60,844,000 |
| Interest-bearing deposits | 55,451,000 | 54,740,000 | 54,681,000 | 54,594,000 |
| Noninterest-bearing deposits | 5,239,000 | 5,076,000 | 5,754,000 | 6,250,000 |
| Equity capital | 8,495,000 | 8,690,000 | 8,609,000 | 8,642,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 547,000 | 1,118,000 | 1,696,000 | 2,261,000 |
| Interest expense | 77,000 | 160,000 | 244,000 | 330,000 |
| Net interest income | 470,000 | 958,000 | 1,452,000 | 1,931,000 |
| Noninterest income | 31,000 | 63,000 | 95,000 | 126,000 |
| Noninterest expense | 426,000 | 866,000 | 1,298,000 | 1,725,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 75,000 | 155,000 | 249,000 | 332,000 |
| Income tax | 7,000 | 16,000 | 27,000 | 36,000 |
| Net income | 68,000 | 139,000 | 222,000 | 296,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,448,000 | 8,669,000 | 8,508,000 | 8,506,000 |
| Total capital | 8,696,000 | 8,918,000 | 8,757,000 | 8,756,000 |
| Risk-weighted assets | 41,556,000 | 40,709,000 | 40,178,000 | 39,258,000 |