Call reports 2020
RIVERBANK — 2020
What RIVERBANK 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 | 100,891,000 | 99,228,000 | 97,778,000 | 95,965,000 |
| Total loans | 78,084,000 | 80,734,000 | 80,626,000 | 69,343,000 |
| Allowance for loan losses | 1,141,000 | 1,187,000 | 1,241,000 | 1,306,000 |
| Securities available for sale | 2,340,000 | 2,318,000 | 2,300,000 | 2,355,000 |
| Securities held to maturity | 3,752,000 | 3,530,000 | 3,362,000 | 3,216,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,117,000 | 84,178,000 | 82,478,000 | 81,896,000 |
| Interest-bearing deposits | 77,816,000 | 77,125,000 | 75,665,000 | 73,616,000 |
| Noninterest-bearing deposits | 8,301,000 | 7,053,000 | 6,813,000 | 8,280,000 |
| Equity capital | 11,247,000 | 11,723,000 | 12,037,000 | 12,200,000 |
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 | 1,117,000 | 2,454,000 | 3,681,000 | 4,877,000 |
| Interest expense | 406,000 | 782,000 | 1,135,000 | 1,457,000 |
| Net interest income | 711,000 | 1,672,000 | 2,546,000 | 3,420,000 |
| Noninterest income | 50,000 | 90,000 | 152,000 | 227,000 |
| Noninterest expense | 434,000 | 865,000 | 1,307,000 | 1,731,000 |
| Provision for loan losses | 65,000 | 129,000 | 195,000 | 260,000 |
| Pretax income | 262,000 | 768,000 | 1,196,000 | 1,656,000 |
| Income tax | 151,000 | 219,000 | 336,000 | 359,000 |
| Net income | 111,000 | 549,000 | 860,000 | 1,297,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,070,000 | 11,509,000 | 11,819,000 | 11,975,000 |
| Total capital | 11,872,000 | 12,355,000 | 12,647,000 | 12,736,000 |
| Risk-weighted assets | 63,894,000 | 67,358,000 | 65,873,000 | 60,401,000 |