Call reports 2020
RIVERS EDGE BANK — 2020
What RIVERS EDGE BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 208,907,000 | 219,250,000 | 218,624,000 | 232,755,000 |
| Total loans | 164,897,000 | 179,167,000 | 174,376,000 | 164,777,000 |
| Allowance for loan losses | 2,445,000 | 2,597,000 | 2,753,000 | 2,497,000 |
| Securities available for sale | 3,418,000 | 2,099,000 | 2,089,000 | 25,005,000 |
| Securities held to maturity | 632,000 | 446,000 | 446,000 | 446,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 164,816,000 | 175,025,000 | 173,979,000 | 188,232,000 |
| Interest-bearing deposits | 131,256,000 | 135,988,000 | 134,404,000 | 144,943,000 |
| Noninterest-bearing deposits | 33,560,000 | 39,037,000 | 39,575,000 | 43,289,000 |
| Equity capital | 21,361,000 | 21,762,000 | 22,136,000 | 22,861,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 2,361,000 | 4,930,000 | 7,275,000 | 9,465,000 |
| Interest expense | 505,000 | 919,000 | 1,317,000 | 1,684,000 |
| Net interest income | 1,856,000 | 4,011,000 | 5,958,000 | 7,781,000 |
| Noninterest income | 97,000 | 262,000 | 418,000 | 568,000 |
| Noninterest expense | 1,246,000 | 2,606,000 | 3,920,000 | 5,168,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 200,000 |
| Pretax income | 557,000 | 1,367,000 | 2,006,000 | 2,981,000 |
| Income tax | 36,000 | 87,000 | 129,000 | 151,000 |
| Net income | 521,000 | 1,280,000 | 1,877,000 | 2,830,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,639,000 | 18,024,000 | 18,397,000 | 19,125,000 |
| Total capital | 19,668,000 | 20,161,000 | 20,469,000 | 21,131,000 |
| Risk-weighted assets | 161,940,000 | 170,508,000 | 165,106,000 | 159,974,000 |