Call reports 2023
RIVERSTONE BANK — 2023
What RIVERSTONE 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 | 491,716,000 | 490,199,000 | 497,668,000 | 513,854,000 |
| Total loans | 386,609,000 | 382,196,000 | 390,857,000 | 411,399,000 |
| Allowance for loan losses | 2,163,000 | 2,573,000 | 2,967,000 | 3,235,000 |
| Securities available for sale | 78,416,000 | 74,762,000 | 75,965,000 | 63,713,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 419,256,000 | 428,586,000 | 448,160,000 | 463,461,000 |
| Interest-bearing deposits | 310,691,000 | 315,951,000 | 336,872,000 | 343,745,000 |
| Noninterest-bearing deposits | 108,565,000 | 112,635,000 | 111,288,000 | 119,716,000 |
| Equity capital | 46,957,000 | 46,280,000 | 47,469,000 | 48,697,000 |
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 | 5,883,000 | 12,013,000 | 18,839,000 | 25,639,000 |
| Interest expense | 1,496,000 | 3,512,000 | 5,506,000 | 7,926,000 |
| Net interest income | 4,387,000 | 8,501,000 | 13,333,000 | 17,713,000 |
| Noninterest income | 431,000 | 813,000 | 1,224,000 | 1,651,000 |
| Noninterest expense | 3,161,000 | 6,123,000 | 9,817,000 | 12,974,000 |
| Provision for loan losses | 230,000 | 461,000 | 691,000 | 922,000 |
| Pretax income | 1,427,000 | 2,730,000 | 4,049,000 | 5,468,000 |
| Income tax | 33,000 | 76,000 | 112,000 | 121,000 |
| Net income | 1,394,000 | 2,654,000 | 3,937,000 | 5,347,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,932,000 | 48,539,000 | 48,917,000 | 48,915,000 |
| Total capital | 51,095,000 | — | — | — |
| Risk-weighted assets | 399,967,000 | — | — | — |