Call reports 2022
ROOT RIVER STATE BANK — 2022
What ROOT RIVER STATE BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 87,378,000 | 88,536,000 | 84,942,000 | 88,625,000 |
| Total loans | 27,799,000 | 30,058,000 | 31,524,000 | 31,655,000 |
| Allowance for loan losses | 254,000 | 254,000 | 254,000 | 254,000 |
| Securities available for sale | 41,028,000 | 42,288,000 | 40,928,000 | 41,757,000 |
| Securities held to maturity | 3,595,000 | 2,317,000 | 2,171,000 | 2,012,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,617,000 | 83,256,000 | 80,758,000 | 84,196,000 |
| Interest-bearing deposits | 73,155,000 | 75,035,000 | 73,509,000 | 75,611,000 |
| Noninterest-bearing deposits | 7,462,000 | 8,220,000 | 7,249,000 | 8,585,000 |
| Equity capital | 6,620,000 | 5,184,000 | 4,011,000 | 4,311,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 494,000 | 1,038,000 | 1,630,000 | 2,247,000 |
| Interest expense | 65,000 | 137,000 | 218,000 | 322,000 |
| Net interest income | 429,000 | 901,000 | 1,412,000 | 1,925,000 |
| Noninterest income | 32,000 | 66,000 | 100,000 | 132,000 |
| Noninterest expense | 462,000 | 899,000 | 1,352,000 | 1,797,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -1,000 | 68,000 | 160,000 | 260,000 |
| Income tax | -13,000 | -6,000 | 7,000 | 23,000 |
| Net income | 12,000 | 74,000 | 153,000 | 237,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,594,000 | 8,657,000 | 8,736,000 | 8,820,000 |
| Total capital | 8,848,000 | 8,911,000 | 8,990,000 | 9,074,000 |
| Risk-weighted assets | 41,307,000 | 43,897,000 | 44,895,000 | 45,314,000 |