Call reports 2020
RIVER BANK — 2020
What RIVER 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 | 693,320,000 | 755,773,000 | 777,096,000 | 820,355,000 |
| Total loans | 602,565,000 | 637,140,000 | 675,147,000 | 703,825,000 |
| Allowance for loan losses | 5,595,000 | 5,962,000 | 6,022,000 | 6,769,000 |
| Securities available for sale | 51,294,000 | 50,277,000 | 54,443,000 | 58,255,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 541,659,000 | 592,624,000 | 606,446,000 | 653,649,000 |
| Interest-bearing deposits | 481,215,000 | 516,959,000 | 527,046,000 | 570,028,000 |
| Noninterest-bearing deposits | 60,444,000 | 75,665,000 | 79,400,000 | 83,621,000 |
| Equity capital | 87,268,000 | 88,708,000 | 90,419,000 | 92,518,000 |
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 | 7,215,000 | 14,537,000 | 22,002,000 | 29,975,000 |
| Interest expense | 2,090,000 | 4,035,000 | 5,858,000 | 7,589,000 |
| Net interest income | 5,125,000 | 10,502,000 | 16,144,000 | 22,386,000 |
| Noninterest income | 523,000 | 1,001,000 | 1,528,000 | 2,054,000 |
| Noninterest expense | 2,622,000 | 5,227,000 | 7,760,000 | 10,423,000 |
| Provision for loan losses | 64,000 | 429,000 | 488,000 | 1,234,000 |
| Pretax income | 2,978,000 | 5,863,000 | 9,440,000 | 12,799,000 |
| Income tax | 198,000 | 492,000 | 735,000 | 306,000 |
| Net income | 2,780,000 | 5,371,000 | 8,705,000 | 12,493,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 78,794,000 | 79,793,000 | 81,535,000 | 83,676,000 |
| Total capital | 84,389,000 | 85,755,000 | 87,557,000 | 90,445,000 |
| Risk-weighted assets | 677,416,000 | 622,061,000 | 670,615,000 | 702,265,000 |