Call reports 2020
RIVERWIND BANK — 2020
What RIVERWIND 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 | 100,926,000 | 128,583,000 | 124,937,000 | 130,907,000 |
| Total loans | 64,312,000 | 63,075,000 | 65,692,000 | 68,848,000 |
| Allowance for loan losses | 1,093,000 | 516,000 | 691,000 | 842,000 |
| Securities available for sale | 19,207,000 | 19,322,000 | 29,642,000 | 29,138,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,052,000 | 107,963,000 | 107,449,000 | 113,268,000 |
| Interest-bearing deposits | 70,262,000 | 83,583,000 | 83,156,000 | 84,196,000 |
| Noninterest-bearing deposits | 16,789,000 | 24,379,000 | 24,293,000 | 29,072,000 |
| Equity capital | 11,016,000 | 11,773,000 | 11,651,000 | 11,731,000 |
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 | 1,100,000 | 2,203,000 | 3,197,000 | 4,187,000 |
| Interest expense | 214,000 | 419,000 | 604,000 | 775,000 |
| Net interest income | 886,000 | 1,784,000 | 2,593,000 | 3,412,000 |
| Noninterest income | 239,000 | 348,000 | 458,000 | 580,000 |
| Noninterest expense | 725,000 | 1,473,000 | 2,225,000 | 3,002,000 |
| Provision for loan losses | 146,000 | 360,000 | 478,000 | 629,000 |
| Pretax income | 254,000 | 300,000 | 446,000 | 463,000 |
| Income tax | 54,000 | -10,000 | -10,000 | -18,000 |
| Net income | 200,000 | 310,000 | 456,000 | 481,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,496,000 | 11,607,000 | 11,752,000 | 11,696,000 |