Call reports 2022
RIVER BANK — 2022
What RIVER BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 1,079,069,000 | 1,057,400,000 | 1,084,322,000 | 1,078,437,000 |
| Total loans | 910,399,000 | 884,173,000 | 905,118,000 | 904,415,000 |
| Allowance for loan losses | 8,899,000 | 9,177,000 | 9,537,000 | 10,420,000 |
| Securities available for sale | 66,300,000 | 66,764,000 | 66,245,000 | 67,075,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 821,809,000 | 776,332,000 | 775,563,000 | 780,784,000 |
| Interest-bearing deposits | 720,169,000 | 673,670,000 | 670,909,000 | 678,498,000 |
| Noninterest-bearing deposits | 101,640,000 | 102,662,000 | 104,654,000 | 102,286,000 |
| Equity capital | 98,761,000 | 97,882,000 | 97,009,000 | 97,940,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 9,054,000 | 17,916,000 | 27,198,000 | 36,975,000 |
| Interest expense | 1,556,000 | 3,242,000 | 5,513,000 | 8,931,000 |
| Net interest income | 7,498,000 | 14,674,000 | 21,685,000 | 28,044,000 |
| Noninterest income | 330,000 | 670,000 | 976,000 | 1,277,000 |
| Noninterest expense | 2,909,000 | 6,015,000 | 9,282,000 | 12,740,000 |
| Provision for loan losses | 273,000 | 550,000 | 905,000 | 1,787,000 |
| Pretax income | 4,646,000 | 8,779,000 | 12,474,000 | 14,794,000 |
| Income tax | 535,000 | 1,056,000 | 1,449,000 | 1,768,000 |
| Net income | 4,111,000 | 7,723,000 | 11,025,000 | 13,026,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 95,618,000 | 97,504,000 | 98,881,000 | 98,956,000 |
| Total capital | 104,517,000 | 106,681,000 | 108,418,000 | 109,376,000 |
| Risk-weighted assets | 931,401,000 | 897,419,000 | 908,371,000 | 905,523,000 |