Call reports 2025
RIVERS EDGE BANK — 2025
What RIVERS EDGE 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 | 312,007,000 | 317,561,000 | 325,034,000 | 337,276,000 |
| Total loans | 224,807,000 | 235,192,000 | 248,848,000 | 257,661,000 |
| Allowance for loan losses | 2,552,000 | 2,768,000 | 3,050,000 | 3,042,000 |
| Securities available for sale | 67,914,000 | 65,253,000 | 56,154,000 | 62,320,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 266,923,000 | 269,105,000 | 261,625,000 | 272,616,000 |
| Interest-bearing deposits | 217,992,000 | 224,316,000 | 212,911,000 | 217,076,000 |
| Noninterest-bearing deposits | 48,931,000 | 44,789,000 | 48,714,000 | 55,540,000 |
| Equity capital | 27,246,000 | 28,204,000 | 29,698,000 | 31,332,000 |
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 | 4,141,000 | 8,533,000 | 13,232,000 | 18,054,000 |
| Interest expense | 1,679,000 | 3,344,000 | 5,063,000 | 6,751,000 |
| Net interest income | 2,462,000 | 5,189,000 | 8,169,000 | 11,303,000 |
| Noninterest income | 168,000 | 362,000 | 549,000 | 757,000 |
| Noninterest expense | 1,611,000 | 3,322,000 | 5,059,000 | 6,748,000 |
| Provision for loan losses | 75,000 | 290,000 | 575,000 | 575,000 |
| Pretax income | 944,000 | 1,939,000 | 3,084,000 | 4,737,000 |
| Income tax | 56,000 | 124,000 | 205,000 | 255,000 |
| Net income | 888,000 | 1,815,000 | 2,879,000 | 4,482,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,027,000 | 25,630,000 | 26,368,000 | 27,647,000 |
| Total capital | 27,619,000 | 28,439,000 | 29,459,000 | 30,730,000 |
| Risk-weighted assets | 231,456,000 | 240,856,000 | 256,511,000 | 264,721,000 |