Call reports 2023
ROOT RIVER STATE BANK — 2023
What ROOT RIVER STATE BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 86,388,000 | 85,934,000 | 84,767,000 | 85,471,000 |
| Total loans | 31,226,000 | 31,817,000 | 30,998,000 | 30,850,000 |
| Allowance for loan losses | 249,000 | 249,000 | 249,000 | 249,000 |
| Securities available for sale | 43,966,000 | 42,603,000 | 40,410,000 | 40,871,000 |
| Securities held to maturity | 1,672,000 | 1,583,000 | 1,523,000 | 1,454,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,221,000 | 80,872,000 | 80,776,000 | 80,530,000 |
| Interest-bearing deposits | 73,281,000 | 74,163,000 | 74,029,000 | 73,965,000 |
| Noninterest-bearing deposits | 7,940,000 | 6,709,000 | 6,746,000 | 6,565,000 |
| Equity capital | 4,935,000 | 4,367,000 | 3,733,000 | 4,762,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 660,000 | 1,342,000 | 2,020,000 | 2,722,000 |
| Interest expense | 155,000 | 358,000 | 594,000 | 896,000 |
| Net interest income | 505,000 | 984,000 | 1,426,000 | 1,826,000 |
| Noninterest income | 34,000 | 68,000 | 103,000 | 136,000 |
| Noninterest expense | 447,000 | 927,000 | 1,375,000 | 1,826,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 92,000 | 123,000 | 151,000 | 133,000 |
| Income tax | 14,000 | 9,000 | 6,000 | -9,000 |
| Net income | 78,000 | 114,000 | 145,000 | 142,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,898,000 | 8,783,000 | 8,815,000 | 8,687,000 |
| Total capital | 9,152,000 | 9,037,000 | 9,069,000 | 8,941,000 |
| Risk-weighted assets | 44,683,000 | 44,553,000 | 44,946,000 | 45,115,000 |