Call reports 2021
RIVERBANK — 2021
What RIVERBANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 99,640,000 | 93,043,000 | 91,404,000 | 94,062,000 |
| Total loans | 66,636,000 | 72,432,000 | 72,439,000 | 67,630,000 |
| Allowance for loan losses | 1,370,000 | 1,414,000 | 1,501,000 | 1,566,000 |
| Securities available for sale | 2,396,000 | 2,306,000 | 2,684,000 | 2,489,000 |
| Securities held to maturity | 3,091,000 | 2,928,000 | 2,755,000 | 1,337,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,415,000 | 78,271,000 | 76,325,000 | 78,880,000 |
| Interest-bearing deposits | 75,391,000 | 69,177,000 | 67,004,000 | 69,022,000 |
| Noninterest-bearing deposits | 10,024,000 | 9,094,000 | 9,321,000 | 9,858,000 |
| Equity capital | 12,332,000 | 13,051,000 | 13,400,000 | 13,549,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 930,000 | 2,429,000 | 3,502,000 | 4,862,000 |
| Interest expense | 272,000 | 517,000 | 727,000 | 920,000 |
| Net interest income | 658,000 | 1,912,000 | 2,775,000 | 3,942,000 |
| Noninterest income | 51,000 | 101,000 | 257,000 | 235,000 |
| Noninterest expense | 425,000 | 886,000 | 1,402,000 | 1,877,000 |
| Provision for loan losses | 64,000 | 129,000 | 194,000 | 259,000 |
| Pretax income | 220,000 | 998,000 | 1,436,000 | 2,041,000 |
| Income tax | 80,000 | 154,000 | 243,000 | 335,000 |
| Net income | 140,000 | 844,000 | 1,193,000 | 1,706,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,115,000 | 12,820,000 | 13,168,000 | 13,314,000 |
| Total capital | 12,890,000 | 13,563,000 | 13,932,000 | 14,072,000 |
| Risk-weighted assets | 61,480,000 | 58,777,000 | 60,402,000 | 59,838,000 |