Call reports 2020
RIVERSTONE BANK — 2020
What RIVERSTONE 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 | 51,032,000 | 54,690,000 | 114,967,000 | 118,620,000 |
| Total loans | 42,421,000 | 45,385,000 | 91,046,000 | 92,152,000 |
| Allowance for loan losses | 491,000 | 491,000 | 526,000 | 719,000 |
| Securities available for sale | 1,053,000 | 1,164,000 | 3,803,000 | 4,069,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,028,000 | 48,170,000 | 100,003,000 | 102,267,000 |
| Interest-bearing deposits | 43,907,000 | 43,140,000 | 92,515,000 | 91,777,000 |
| Noninterest-bearing deposits | 3,121,000 | 5,030,000 | 7,488,000 | 10,490,000 |
| Equity capital | 3,914,000 | 4,402,000 | 8,814,000 | 10,217,000 |
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 | 571,000 | 1,146,000 | 1,993,000 | 4,570,000 |
| Interest expense | 215,000 | 428,000 | 653,000 | 1,023,000 |
| Net interest income | 356,000 | 718,000 | 1,340,000 | 3,547,000 |
| Noninterest income | 2,000 | 266,000 | 7,000 | 16,000 |
| Noninterest expense | 219,000 | 463,000 | 737,000 | 1,354,000 |
| Provision for loan losses | 0 | 0 | 35,000 | 120,000 |
| Pretax income | 139,000 | 521,000 | 577,000 | 2,091,000 |
| Income tax | -15,000 | -10,000 | 0 | 0 |
| Net income | 154,000 | 531,000 | 577,000 | 2,091,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,950,000 | 4,327,000 | 8,580,000 | 9,955,000 |
| Total capital | 4,441,000 | 4,818,000 | 9,106,000 | 10,674,000 |
| Risk-weighted assets | 41,877,000 | 43,406,000 | 83,018,000 | 85,231,000 |