Call reports 2021
RIVERWOOD BANK — 2021
What RIVERWOOD 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 | 534,506,000 | 524,491,000 | 535,761,000 | 550,041,000 |
| Total loans | 340,550,000 | 346,739,000 | 351,586,000 | 367,282,000 |
| Allowance for loan losses | 5,669,000 | 5,660,000 | 5,652,000 | 5,829,000 |
| Securities available for sale | 126,512,000 | 123,024,000 | 108,981,000 | 102,573,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 478,022,000 | 466,857,000 | 477,418,000 | 492,666,000 |
| Interest-bearing deposits | 364,572,000 | 359,279,000 | 365,383,000 | 371,687,000 |
| Noninterest-bearing deposits | 113,450,000 | 107,578,000 | 112,035,000 | 120,979,000 |
| Equity capital | 42,584,000 | 43,987,000 | 44,729,000 | 45,153,000 |
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 | 4,193,000 | 9,080,000 | 14,046,000 | 18,658,000 |
| Interest expense | 482,000 | 895,000 | 1,271,000 | 1,628,000 |
| Net interest income | 3,711,000 | 8,185,000 | 12,775,000 | 17,030,000 |
| Noninterest income | 1,567,000 | 2,565,000 | 3,431,000 | 4,822,000 |
| Noninterest expense | 3,339,000 | 6,781,000 | 10,633,000 | 14,084,000 |
| Provision for loan losses | 75,000 | 75,000 | 75,000 | 75,000 |
| Pretax income | 1,886,000 | 3,923,000 | 5,535,000 | 7,738,000 |
| Income tax | 520,000 | 1,085,000 | 1,529,000 | 2,151,000 |
| Net income | 1,366,000 | 2,838,000 | 4,006,000 | 5,587,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,048,000 | 42,019,000 | 42,688,000 | 43,769,000 |
| Total capital | 45,305,000 | 46,398,000 | 47,123,000 | 48,549,000 |
| Risk-weighted assets | 339,172,000 | 349,005,000 | 353,573,000 | 381,356,000 |