Call reports 2019
RIVERWOOD BANK — 2019
What RIVERWOOD 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 | 423,327,000 | 435,216,000 | 433,051,000 | 445,320,000 |
| Total loans | 317,674,000 | 328,567,000 | 329,733,000 | 333,853,000 |
| Allowance for loan losses | 4,023,000 | 4,097,000 | 4,267,000 | 4,340,000 |
| Securities available for sale | 64,682,000 | 63,400,000 | 60,452,000 | 64,389,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 370,670,000 | 379,536,000 | 375,281,000 | 383,849,000 |
| Interest-bearing deposits | 311,170,000 | 319,126,000 | 315,753,000 | 321,100,000 |
| Noninterest-bearing deposits | 59,500,000 | 60,410,000 | 59,528,000 | 62,749,000 |
| Equity capital | 36,940,000 | 38,778,000 | 39,185,000 | 39,757,000 |
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 | 4,472,000 | 9,465,000 | 14,280,000 | 19,136,000 |
| Interest expense | 982,000 | 2,114,000 | 3,206,000 | 4,245,000 |
| Net interest income | 3,490,000 | 7,351,000 | 11,074,000 | 14,891,000 |
| Noninterest income | 608,000 | 1,327,000 | 2,302,000 | 3,362,000 |
| Noninterest expense | 2,942,000 | 5,876,000 | 9,164,000 | 12,287,000 |
| Provision for loan losses | 75,000 | 150,000 | 350,000 | 425,000 |
| Pretax income | 1,081,000 | 2,652,000 | 3,898,000 | 5,577,000 |
| Income tax | 294,000 | 730,000 | 1,072,000 | 1,547,000 |
| Net income | 787,000 | 1,922,000 | 2,826,000 | 4,030,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,971,000 | 36,106,000 | 36,510,000 | 37,340,000 |
| Total capital | 38,994,000 | 40,203,000 | 40,639,000 | 41,551,000 |
| Risk-weighted assets | 322,636,000 | 333,044,000 | 330,151,000 | 336,750,000 |