Call reports 2020
ROOT RIVER STATE BANK — 2020
What ROOT RIVER STATE 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 | 67,625,000 | 74,900,000 | 76,737,000 | 80,072,000 |
| Total loans | 32,209,000 | 33,593,000 | 32,884,000 | 30,686,000 |
| Allowance for loan losses | 250,000 | 251,000 | 252,000 | 252,000 |
| Securities available for sale | 17,823,000 | 20,784,000 | 22,452,000 | 26,595,000 |
| Securities held to maturity | 7,290,000 | 6,941,000 | 6,698,000 | 6,366,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,252,000 | 65,783,000 | 67,461,000 | 71,024,000 |
| Interest-bearing deposits | 54,015,000 | 52,091,000 | 60,478,000 | 63,810,000 |
| Noninterest-bearing deposits | 5,237,000 | 13,692,000 | 6,983,000 | 7,214,000 |
| Equity capital | 8,249,000 | 8,849,000 | 8,925,000 | 8,782,000 |
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 | 548,000 | 1,185,000 | 1,718,000 | 2,242,000 |
| Interest expense | 82,000 | 158,000 | 230,000 | 300,000 |
| Net interest income | 466,000 | 1,027,000 | 1,488,000 | 1,942,000 |
| Noninterest income | 29,000 | 56,000 | 84,000 | 120,000 |
| Noninterest expense | 447,000 | 879,000 | 1,302,000 | 1,726,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 48,000 | 204,000 | 270,000 | 336,000 |
| Income tax | 0 | 30,000 | 33,000 | 35,000 |
| Net income | 48,000 | 174,000 | 237,000 | 301,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,094,000 | 8,531,000 | 8,595,000 | 8,469,000 |
| Total capital | — | 8,782,000 | 8,847,000 | 8,721,000 |
| Risk-weighted assets | — | 39,834,000 | 41,788,000 | 40,976,000 |