Call reports 2021
RIVER BANK — 2021
What RIVER BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 833,305,000 | 912,612,000 | 985,091,000 | 1,052,811,000 |
| Total loans | 717,524,000 | 792,833,000 | 865,949,000 | 932,834,000 |
| Allowance for loan losses | 7,004,000 | 7,532,000 | 8,352,000 | 8,629,000 |
| Securities available for sale | 57,445,000 | 68,989,000 | 68,791,000 | 70,138,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 670,416,000 | 702,052,000 | 759,523,000 | 794,966,000 |
| Interest-bearing deposits | 580,175,000 | 611,632,000 | 664,854,000 | 693,936,000 |
| Noninterest-bearing deposits | 90,241,000 | 90,420,000 | 94,669,000 | 101,030,000 |
| Equity capital | 93,651,000 | 96,380,000 | 98,387,000 | 100,764,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 7,741,000 | 16,387,000 | 25,209,000 | 34,211,000 |
| Interest expense | 1,484,000 | 2,918,000 | 4,388,000 | 5,860,000 |
| Net interest income | 6,257,000 | 13,469,000 | 20,821,000 | 28,351,000 |
| Noninterest income | 437,000 | 807,000 | 1,110,000 | 1,464,000 |
| Noninterest expense | 2,635,000 | 5,160,000 | 7,822,000 | 10,622,000 |
| Provision for loan losses | 232,000 | 759,000 | 1,578,000 | 1,854,000 |
| Pretax income | 3,827,000 | 8,357,000 | 12,531,000 | 17,339,000 |
| Income tax | 283,000 | 588,000 | 896,000 | 1,205,000 |
| Net income | 3,544,000 | 7,769,000 | 11,635,000 | 16,134,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 85,573,000 | 88,157,000 | 90,383,000 | 93,254,000 |
| Total capital | 92,577,000 | 95,689,000 | 98,735,000 | 101,883,000 |
| Risk-weighted assets | 713,758,000 | 776,203,000 | 862,644,000 | 933,879,000 |