Call reports 2022
RIVERBANK — 2022
What RIVERBANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 94,083,000 | 89,397,000 | 93,679,000 | 91,962,000 |
| Total loans | 67,064,000 | 73,887,000 | 81,413,000 | 76,072,000 |
| Allowance for loan losses | 1,630,000 | 1,696,000 | 1,615,000 | 1,834,000 |
| Securities available for sale | 3,359,000 | 3,433,000 | 3,888,000 | 4,601,000 |
| Securities held to maturity | 1,230,000 | 1,139,000 | 1,027,000 | 991,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,816,000 | 74,183,000 | 75,884,000 | 76,495,000 |
| Interest-bearing deposits | 67,201,000 | 63,620,000 | 64,952,000 | 65,082,000 |
| Noninterest-bearing deposits | 11,615,000 | 10,563,000 | 10,932,000 | 11,413,000 |
| Equity capital | 13,796,000 | 13,940,000 | 14,317,000 | 14,406,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 1,050,000 | 2,096,000 | 3,274,000 | 4,588,000 |
| Interest expense | 167,000 | 314,000 | 465,000 | 726,000 |
| Net interest income | 883,000 | 1,782,000 | 2,809,000 | 3,862,000 |
| Noninterest income | 65,000 | 129,000 | 305,000 | 553,000 |
| Noninterest expense | 471,000 | 1,016,000 | 1,574,000 | 2,279,000 |
| Provision for loan losses | 64,000 | 128,000 | 194,000 | 259,000 |
| Pretax income | 413,000 | 767,000 | 1,346,000 | 1,877,000 |
| Income tax | 87,000 | 176,000 | 256,000 | 354,000 |
| Net income | 326,000 | 591,000 | 1,090,000 | 1,523,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,641,000 | 13,906,000 | 14,405,000 | 14,469,000 |
| Total capital | 14,380,000 | 14,673,000 | 15,231,000 | 15,269,000 |
| Risk-weighted assets | 58,295,000 | 60,486,000 | 65,308,000 | 62,822,000 |