Call reports 2020
RVR BANK — 2020
What RVR 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 | 255,909,000 | 269,271,000 | 276,616,000 | 281,394,000 |
| Total loans | 196,865,000 | 205,820,000 | 216,665,000 | 202,163,000 |
| Allowance for loan losses | 3,853,000 | 4,000,000 | 4,007,000 | 4,044,000 |
| Securities available for sale | 22,150,000 | 23,862,000 | 24,631,000 | 24,974,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 230,472,000 | 241,231,000 | 248,578,000 | 253,310,000 |
| Interest-bearing deposits | 205,523,000 | 212,463,000 | 221,072,000 | 223,159,000 |
| Noninterest-bearing deposits | 24,949,000 | 28,768,000 | 27,506,000 | 30,151,000 |
| Equity capital | 23,387,000 | 25,932,000 | 25,856,000 | 25,882,000 |
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 | 3,019,000 | 6,100,000 | 9,049,000 | 12,122,000 |
| Interest expense | 379,000 | 686,000 | 977,000 | 1,238,000 |
| Net interest income | 2,640,000 | 5,414,000 | 8,072,000 | 10,884,000 |
| Noninterest income | 621,000 | 1,147,000 | 1,773,000 | 2,426,000 |
| Noninterest expense | 2,057,000 | 3,902,000 | 5,871,000 | 8,228,000 |
| Provision for loan losses | 151,000 | 301,000 | 301,000 | 352,000 |
| Pretax income | 1,053,000 | 2,358,000 | 3,673,000 | 4,730,000 |
| Income tax | 27,000 | 55,000 | 84,000 | 113,000 |
| Net income | 1,026,000 | 2,303,000 | 3,589,000 | 4,617,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,083,000 | 25,361,000 | 25,242,000 | 25,245,000 |