Call reports 2023
RVR BANK — 2023
What RVR 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 | 460,358,000 | 470,541,000 | 483,876,000 | 501,102,000 |
| Total loans | 337,066,000 | 350,116,000 | 364,976,000 | 381,592,000 |
| Allowance for loan losses | 4,686,000 | 5,073,000 | 5,365,000 | 5,671,000 |
| Securities available for sale | 66,483,000 | 65,645,000 | 63,266,000 | 68,059,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 411,666,000 | 422,110,000 | 435,219,000 | 449,837,000 |
| Interest-bearing deposits | 343,938,000 | 350,082,000 | 365,500,000 | 390,913,000 |
| Noninterest-bearing deposits | 67,728,000 | 72,028,000 | 69,719,000 | 58,924,000 |
| Equity capital | 46,241,000 | 45,807,000 | 45,844,000 | 48,490,000 |
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 | 5,397,000 | 11,044,000 | 17,172,000 | 23,769,000 |
| Interest expense | 878,000 | 2,072,000 | 3,649,000 | 5,553,000 |
| Net interest income | 4,519,000 | 8,972,000 | 13,523,000 | 18,216,000 |
| Noninterest income | 1,056,000 | 2,109,000 | 3,131,000 | 4,104,000 |
| Noninterest expense | 3,283,000 | 6,859,000 | 10,096,000 | 13,575,000 |
| Provision for loan losses | 300,000 | 603,000 | 907,000 | 1,210,000 |
| Pretax income | 1,992,000 | 3,619,000 | 5,651,000 | 7,535,000 |
| Income tax | 48,000 | 97,000 | 140,000 | 150,000 |
| Net income | 1,944,000 | 3,522,000 | 5,511,000 | 7,385,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,341,000 | 42,785,000 | 44,730,000 | 44,254,000 |