Call reports 2023
RIVERBANK — 2023
What RIVERBANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 95,830,000 | 103,411,000 | 115,859,000 | 106,968,000 |
| Total loans | 78,420,000 | 87,786,000 | 96,750,000 | 86,866,000 |
| Allowance for loan losses | 1,167,000 | 1,326,000 | 1,396,000 | 1,422,000 |
| Securities available for sale | 4,497,000 | 4,151,000 | 3,996,000 | 4,076,000 |
| Securities held to maturity | 931,000 | 862,000 | 752,000 | 715,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,226,000 | 77,765,000 | 99,159,000 | 90,536,000 |
| Interest-bearing deposits | 64,784,000 | 66,408,000 | 90,105,000 | 79,267,000 |
| Noninterest-bearing deposits | 12,442,000 | 11,357,000 | 9,054,000 | 11,269,000 |
| Equity capital | 15,138,000 | 15,383,000 | 15,586,000 | 15,571,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 1,319,000 | 2,818,000 | 4,474,000 | 6,316,000 |
| Interest expense | 318,000 | 794,000 | 1,524,000 | 2,306,000 |
| Net interest income | 1,001,000 | 2,024,000 | 2,950,000 | 4,010,000 |
| Noninterest income | 63,000 | 122,000 | 176,000 | 346,000 |
| Noninterest expense | 554,000 | 1,150,000 | 1,768,000 | 2,369,000 |
| Provision for loan losses | 13,000 | 171,000 | 240,000 | 276,000 |
| Pretax income | 406,000 | 845,000 | 1,222,000 | 1,786,000 |
| Income tax | 87,000 | 215,000 | 299,000 | 634,000 |
| Net income | 319,000 | 630,000 | 923,000 | 1,152,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,212,000 | 15,524,000 | 15,817,000 | 15,680,000 |
| Total capital | 16,065,000 | 16,451,000 | 16,809,000 | 16,565,000 |
| Risk-weighted assets | 67,663,000 | 73,613,000 | 78,871,000 | 70,122,000 |