Call reports 2018
RIVER BANK — 2018
What RIVER BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 477,987,000 | 486,092,000 | 482,177,000 | 490,877,000 |
| Total loans | 419,466,000 | 427,262,000 | 419,134,000 | 433,481,000 |
| Allowance for loan losses | 4,583,000 | 4,675,000 | 4,766,000 | 4,845,000 |
| Securities available for sale | 34,520,000 | 34,086,000 | 34,047,000 | 33,834,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 394,165,000 | 394,532,000 | 395,643,000 | 405,142,000 |
| Interest-bearing deposits | 348,841,000 | 350,634,000 | 351,673,000 | 354,353,000 |
| Noninterest-bearing deposits | 45,324,000 | 43,898,000 | 43,970,000 | 50,789,000 |
| Equity capital | 54,463,000 | 55,335,000 | 55,922,000 | 55,444,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 4,951,000 | 9,962,000 | 15,039,000 | 20,172,000 |
| Interest expense | 956,000 | 2,024,000 | 3,210,000 | 4,508,000 |
| Net interest income | 3,995,000 | 7,938,000 | 11,829,000 | 15,664,000 |
| Noninterest income | 280,000 | 517,000 | 772,000 | 1,020,000 |
| Noninterest expense | 1,769,000 | 3,523,000 | 5,398,000 | 7,458,000 |
| Provision for loan losses | 90,000 | 181,000 | 273,000 | 352,000 |
| Pretax income | 2,416,000 | 4,751,000 | 6,930,000 | 8,874,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,416,000 | 4,751,000 | 6,930,000 | 8,874,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 51,570,000 | 52,513,000 | 53,299,000 | 52,602,000 |
| Total capital | 56,153,000 | 57,188,000 | 58,065,000 | 57,447,000 |
| Risk-weighted assets | 416,092,000 | 423,608,000 | 412,119,000 | 423,212,000 |