Call reports 2023
RIVER BANK — 2023
What RIVER BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 1,065,605,000 | 1,073,106,000 | 1,067,103,000 | 1,072,693,000 |
| Total loans | 900,891,000 | 895,047,000 | 879,202,000 | 865,196,000 |
| Allowance for loan losses | 10,783,000 | 10,604,000 | 10,586,000 | 10,453,000 |
| Securities available for sale | 68,112,000 | 65,367,000 | 63,110,000 | 70,096,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 766,582,000 | 769,258,000 | 769,114,000 | 776,324,000 |
| Interest-bearing deposits | 675,581,000 | 679,248,000 | 682,913,000 | 689,145,000 |
| Noninterest-bearing deposits | 91,001,000 | 90,010,000 | 86,201,000 | 87,179,000 |
| Equity capital | 99,310,000 | 99,743,000 | 99,419,000 | 104,370,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 9,881,000 | 20,328,000 | 31,290,000 | 42,310,000 |
| Interest expense | 4,449,000 | 10,066,000 | 16,353,000 | 22,826,000 |
| Net interest income | 5,432,000 | 10,262,000 | 14,937,000 | 19,484,000 |
| Noninterest income | 291,000 | 577,000 | 892,000 | 1,200,000 |
| Noninterest expense | 3,225,000 | 6,688,000 | 10,018,000 | 13,151,000 |
| Provision for loan losses | -270,000 | -449,000 | -469,000 | -601,000 |
| Pretax income | 2,133,000 | 4,067,000 | 5,727,000 | 7,718,000 |
| Income tax | 102,000 | 238,000 | 370,000 | 361,000 |
| Net income | 2,031,000 | 3,829,000 | 5,357,000 | 7,357,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 99,277,000 | 100,999,000 | 102,553,000 | 104,577,000 |
| Total capital | 110,575,000 | 112,136,000 | 113,541,000 | 115,321,000 |
| Risk-weighted assets | 903,730,000 | 898,035,000 | 878,961,000 | 859,428,000 |