Call reports 2021
ROOT RIVER STATE BANK — 2021
What ROOT RIVER STATE BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 80,771,000 | 81,421,000 | 82,106,000 | 83,330,000 |
| Total loans | 29,510,000 | 29,208,000 | 28,982,000 | 28,637,000 |
| Allowance for loan losses | 253,000 | 253,000 | 254,000 | 254,000 |
| Securities available for sale | 32,331,000 | 35,655,000 | 36,313,000 | 39,062,000 |
| Securities held to maturity | 5,723,000 | 5,364,000 | 5,108,000 | 4,455,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,164,000 | 72,604,000 | 73,182,000 | 74,910,000 |
| Interest-bearing deposits | 65,244,000 | 65,886,000 | 66,362,000 | 67,954,000 |
| Noninterest-bearing deposits | 6,920,000 | 6,718,000 | 6,820,000 | 6,956,000 |
| Equity capital | 8,447,000 | 8,677,000 | 8,726,000 | 8,379,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 617,000 | 1,154,000 | 1,661,000 | 2,151,000 |
| Interest expense | 64,000 | 126,000 | 192,000 | 260,000 |
| Net interest income | 553,000 | 1,028,000 | 1,469,000 | 1,891,000 |
| Noninterest income | 30,000 | 62,000 | 94,000 | 126,000 |
| Noninterest expense | 460,000 | 911,000 | 1,341,000 | 1,798,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 123,000 | 187,000 | 274,000 | 271,000 |
| Income tax | 21,000 | 24,000 | 34,000 | 19,000 |
| Net income | 102,000 | 163,000 | 240,000 | 252,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,571,000 | 8,631,000 | 8,709,000 | 8,583,000 |
| Total capital | 8,824,000 | 8,884,000 | 8,963,000 | 8,837,000 |
| Risk-weighted assets | 41,050,000 | 40,712,000 | 40,874,000 | 40,036,000 |