Call reports 2020
RIVERWOOD BANK — 2020
What RIVERWOOD 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 | 454,232,000 | 489,018,000 | 491,158,000 | 506,836,000 |
| Total loans | 327,727,000 | 350,992,000 | 340,620,000 | 338,853,000 |
| Allowance for loan losses | 4,125,000 | 4,916,000 | 5,225,000 | 5,597,000 |
| Securities available for sale | 69,625,000 | 86,726,000 | 105,944,000 | 124,938,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 396,431,000 | 429,981,000 | 432,605,000 | 445,116,000 |
| Interest-bearing deposits | 332,664,000 | 345,396,000 | 349,240,000 | 348,017,000 |
| Noninterest-bearing deposits | 63,767,000 | 84,585,000 | 83,365,000 | 97,099,000 |
| Equity capital | 41,081,000 | 41,984,000 | 42,655,000 | 43,511,000 |
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 | 4,682,000 | 9,762,000 | 14,489,000 | 19,243,000 |
| Interest expense | 1,010,000 | 1,906,000 | 2,687,000 | 3,325,000 |
| Net interest income | 3,672,000 | 7,856,000 | 11,802,000 | 15,918,000 |
| Noninterest income | 927,000 | 2,328,000 | 3,780,000 | 5,307,000 |
| Noninterest expense | 3,192,000 | 6,492,000 | 10,008,000 | 13,403,000 |
| Provision for loan losses | 175,000 | 1,050,000 | 1,425,000 | 1,800,000 |
| Pretax income | 1,232,000 | 2,677,000 | 4,281,000 | 6,170,000 |
| Income tax | 337,000 | 730,000 | 1,171,000 | 1,702,000 |
| Net income | 895,000 | 1,947,000 | 3,110,000 | 4,468,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,859,000 | 38,536,000 | 39,323,000 | 40,182,000 |
| Total capital | 41,984,000 | 42,702,000 | 43,370,000 | 44,391,000 |
| Risk-weighted assets | 333,736,000 | 332,536,000 | 322,597,000 | 335,308,000 |