Call reports 2025
RIVER BANK — 2025
What RIVER BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 1,013,849,000 | 1,006,546,000 | 1,011,547,000 | 1,045,511,000 |
| Total loans | 822,755,000 | 835,332,000 | 839,277,000 | 844,520,000 |
| Allowance for loan losses | 10,122,000 | 10,122,000 | 10,123,000 | 9,657,000 |
| Securities available for sale | 74,889,000 | 76,091,000 | 76,780,000 | 76,765,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 751,778,000 | 742,802,000 | 755,700,000 | 782,306,000 |
| Interest-bearing deposits | 661,399,000 | 656,641,000 | 660,709,000 | 676,452,000 |
| Noninterest-bearing deposits | 90,379,000 | 86,161,000 | 94,991,000 | 105,854,000 |
| Equity capital | 113,309,000 | 114,843,000 | 118,127,000 | 121,673,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 11,038,000 | 22,424,000 | 34,179,000 | 46,550,000 |
| Interest expense | 6,014,000 | 11,849,000 | 17,609,000 | 23,147,000 |
| Net interest income | 5,024,000 | 10,575,000 | 16,570,000 | 23,403,000 |
| Noninterest income | 267,000 | 542,000 | 809,000 | 1,086,000 |
| Noninterest expense | 3,417,000 | 6,779,000 | 10,402,000 | 14,165,000 |
| Provision for loan losses | -72,000 | -73,000 | -73,000 | -538,000 |
| Pretax income | 1,910,000 | 3,999,000 | 6,680,000 | 10,592,000 |
| Income tax | 18,000 | 27,000 | 35,000 | 42,000 |
| Net income | 1,892,000 | 3,972,000 | 6,645,000 | 10,550,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 113,251,000 | 114,702,000 | 116,695,000 | 119,825,000 |
| Total capital | 123,489,000 | 125,112,000 | 127,160,000 | 129,936,000 |
| Risk-weighted assets | 818,965,000 | 832,564,000 | 836,988,000 | 845,209,000 |