Call reports 2019
RIVER BANK — 2019
What RIVER BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 509,856,000 | 506,599,000 | 517,053,000 | 526,888,000 |
| Total loans | 451,290,000 | 442,618,000 | 456,972,000 | 467,994,000 |
| Allowance for loan losses | 4,845,000 | 4,747,000 | 4,747,000 | 4,747,000 |
| Securities available for sale | 34,095,000 | 34,729,000 | 35,137,000 | 34,430,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 414,891,000 | 413,540,000 | 422,280,000 | 433,823,000 |
| Interest-bearing deposits | 369,703,000 | 369,095,000 | 375,379,000 | 380,953,000 |
| Noninterest-bearing deposits | 45,188,000 | 44,445,000 | 46,901,000 | 52,870,000 |
| Equity capital | 56,018,000 | 57,997,000 | 58,003,000 | 58,749,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 5,355,000 | 10,899,000 | 16,489,000 | 22,187,000 |
| Interest expense | 1,517,000 | 3,170,000 | 4,891,000 | 6,644,000 |
| Net interest income | 3,838,000 | 7,729,000 | 11,598,000 | 15,543,000 |
| Noninterest income | 234,000 | 768,000 | 1,072,000 | 1,321,000 |
| Noninterest expense | 1,908,000 | 3,791,000 | 5,593,000 | 7,724,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 2,164,000 | 4,706,000 | 7,077,000 | 9,140,000 |
| Income tax | 0 | 0 | 0 | 1,332,000 |
| Net income | 2,164,000 | 4,706,000 | 7,077,000 | 7,808,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 52,898,000 | 54,523,000 | 54,501,000 | 55,278,000 |
| Total capital | 57,743,000 | 59,270,000 | 59,248,000 | 60,025,000 |
| Risk-weighted assets | 439,188,000 | 434,135,000 | 448,887,000 | 459,718,000 |