Call reports 2019
RIVERBANK — 2019
What RIVERBANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 100,397,000 | 102,918,000 | 104,867,000 | 105,558,000 |
| Total loans | 83,875,000 | 87,569,000 | 89,859,000 | 82,587,000 |
| Allowance for loan losses | 907,000 | 949,000 | 1,011,000 | 1,077,000 |
| Securities available for sale | 1,950,000 | 1,956,000 | 1,630,000 | 2,147,000 |
| Securities held to maturity | 3,982,000 | 4,087,000 | 3,925,000 | 3,725,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,224,000 | 85,131,000 | 88,321,000 | 90,917,000 |
| Interest-bearing deposits | 77,479,000 | 80,271,000 | 82,988,000 | 84,297,000 |
| Noninterest-bearing deposits | 7,745,000 | 4,860,000 | 5,333,000 | 6,620,000 |
| Equity capital | 10,245,000 | 10,582,000 | 11,017,000 | 11,174,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,340,000 | 2,739,000 | 4,249,000 | 5,749,000 |
| Interest expense | 380,000 | 778,000 | 1,208,000 | 1,638,000 |
| Net interest income | 960,000 | 1,961,000 | 3,041,000 | 4,111,000 |
| Noninterest income | 45,000 | 105,000 | 179,000 | 229,000 |
| Noninterest expense | 405,000 | 830,000 | 1,284,000 | 1,788,000 |
| Provision for loan losses | 51,000 | 116,000 | 181,000 | 222,000 |
| Pretax income | 549,000 | 1,120,000 | 1,755,000 | 2,330,000 |
| Income tax | 181,000 | 394,000 | 605,000 | 777,000 |
| Net income | 368,000 | 726,000 | 1,150,000 | 1,553,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,058,000 | 10,374,000 | 10,799,000 | 10,960,000 |
| Total capital | 10,890,000 | 11,241,000 | 11,663,000 | 11,778,000 |
| Risk-weighted assets | 66,511,000 | 69,327,000 | 68,989,000 | 65,187,000 |