Call reports 2019
RVR BANK — 2019
What RVR 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 | 248,467,000 | 257,179,000 | 254,761,000 | 258,760,000 |
| Total loans | 186,504,000 | 190,558,000 | 196,637,000 | 194,735,000 |
| Allowance for loan losses | 3,573,000 | 3,721,000 | 3,703,000 | 3,696,000 |
| Securities available for sale | 24,090,000 | 24,708,000 | 21,818,000 | 23,041,000 |
| Securities held to maturity | 18,000 | 15,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 223,267,000 | 231,135,000 | 228,150,000 | 232,215,000 |
| Interest-bearing deposits | 198,042,000 | 199,203,000 | 208,072,000 | 211,472,000 |
| Noninterest-bearing deposits | 25,225,000 | 31,932,000 | 20,078,000 | 20,743,000 |
| Equity capital | 23,138,000 | 23,916,000 | 24,460,000 | 24,076,000 |
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 | 2,867,000 | 5,969,000 | 9,062,000 | 12,135,000 |
| Interest expense | 388,000 | 807,000 | 1,229,000 | 1,639,000 |
| Net interest income | 2,479,000 | 5,162,000 | 7,833,000 | 10,496,000 |
| Noninterest income | 582,000 | 1,248,000 | 1,937,000 | 2,575,000 |
| Noninterest expense | 1,938,000 | 3,774,000 | 5,713,000 | 7,965,000 |
| Provision for loan losses | 151,000 | 303,000 | 305,000 | 308,000 |
| Pretax income | 973,000 | 2,334,000 | 3,753,000 | 4,799,000 |
| Income tax | 31,000 | 58,000 | 85,000 | 112,000 |
| Net income | 942,000 | 2,276,000 | 3,668,000 | 4,687,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,156,000 | 23,739,000 | 24,241,000 | 23,887,000 |
| Total capital | 25,608,000 | 26,196,000 | 26,733,000 | 26,384,000 |
| Risk-weighted assets | 195,105,000 | 195,360,000 | 198,193,000 | 198,587,000 |