Call reports 2023
RIVERWOOD BANK — 2023
What RIVERWOOD 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 | 591,606,000 | 597,583,000 | 614,789,000 | 621,629,000 |
| Total loans | 443,137,000 | 458,134,000 | 468,999,000 | 484,247,000 |
| Allowance for loan losses | 5,823,000 | 5,802,000 | 5,713,000 | 5,754,000 |
| Securities available for sale | 86,585,000 | 95,211,000 | 90,127,000 | 91,993,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 536,768,000 | 530,088,000 | 548,229,000 | 545,427,000 |
| Interest-bearing deposits | 414,426,000 | 417,368,000 | 423,325,000 | 437,776,000 |
| Noninterest-bearing deposits | 122,342,000 | 112,720,000 | 124,904,000 | 107,651,000 |
| Equity capital | 44,823,000 | 44,871,000 | 44,189,000 | 47,405,000 |
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 | 6,469,000 | 13,396,000 | 20,902,000 | 28,883,000 |
| Interest expense | 1,251,000 | 2,939,000 | 5,113,000 | 7,718,000 |
| Net interest income | 5,218,000 | 10,457,000 | 15,789,000 | 21,165,000 |
| Noninterest income | 794,000 | 1,784,000 | 2,764,000 | 3,621,000 |
| Noninterest expense | 3,980,000 | 8,011,000 | 12,305,000 | 16,298,000 |
| Provision for loan losses | 0 | 0 | 0 | 94,000 |
| Pretax income | 2,043,000 | 4,244,000 | 6,269,000 | 8,430,000 |
| Income tax | 569,000 | 1,146,000 | 1,719,000 | 2,353,000 |
| Net income | 1,474,000 | 3,098,000 | 4,550,000 | 6,077,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,334,000 | 51,458,000 | 52,411,000 | 53,287,000 |
| Total capital | 55,971,000 | 57,260,000 | 58,124,000 | 59,171,000 |
| Risk-weighted assets | 450,757,000 | 466,885,000 | 477,140,000 | 490,401,000 |