Call reports 2024
RIVER BANK — 2024
What RIVER BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 1,056,030,000 | 1,030,999,000 | 1,013,121,000 | 1,011,313,000 |
| Total loans | 853,145,000 | 846,192,000 | 842,232,000 | 826,064,000 |
| Allowance for loan losses | 9,831,000 | 9,208,000 | 10,202,000 | 10,197,000 |
| Securities available for sale | 76,729,000 | 75,760,000 | 77,507,000 | 75,467,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 766,134,000 | 743,897,000 | 733,847,000 | 737,138,000 |
| Interest-bearing deposits | 678,954,000 | 655,750,000 | 646,970,000 | 644,155,000 |
| Noninterest-bearing deposits | 87,180,000 | 88,147,000 | 86,877,000 | 92,983,000 |
| Equity capital | 105,501,000 | 106,606,000 | 109,585,000 | 108,604,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 11,151,000 | 22,214,000 | 33,480,000 | 44,648,000 |
| Interest expense | 6,635,000 | 13,115,000 | 19,651,000 | 25,940,000 |
| Net interest income | 4,516,000 | 9,099,000 | 13,829,000 | 18,708,000 |
| Noninterest income | 274,000 | 582,000 | 849,000 | 1,144,000 |
| Noninterest expense | 3,340,000 | 7,136,000 | 10,557,000 | 13,936,000 |
| Provision for loan losses | -622,000 | -1,245,000 | -251,000 | -251,000 |
| Pretax income | 2,228,000 | 4,017,000 | 5,365,000 | 6,434,000 |
| Income tax | 29,000 | -258,000 | -246,000 | -232,000 |
| Net income | 2,199,000 | 4,275,000 | 5,611,000 | 6,666,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 106,212,000 | 107,725,000 | 108,352,000 | 109,489,000 |
| Total capital | 116,303,000 | 117,122,000 | 118,769,000 | 119,729,000 |
| Risk-weighted assets | 842,557,000 | 834,611,000 | 835,546,000 | 819,144,000 |