Call reports 2024
RIVERBANK — 2024
What RIVERBANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 110,086,000 | 118,097,000 | 139,672,000 | 138,532,000 |
| Total loans | 93,456,000 | 101,083,000 | 107,373,000 | 104,646,000 |
| Allowance for loan losses | 1,451,000 | 1,492,000 | 1,650,000 | 1,720,000 |
| Securities available for sale | 4,069,000 | 4,049,000 | 13,645,000 | 13,585,000 |
| Securities held to maturity | 654,000 | 582,000 | 512,000 | 494,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,699,000 | 99,496,000 | 120,614,000 | 120,861,000 |
| Interest-bearing deposits | 81,550,000 | 85,768,000 | 106,391,000 | 107,229,000 |
| Noninterest-bearing deposits | 11,149,000 | 13,728,000 | 14,223,000 | 13,632,000 |
| Equity capital | 15,953,000 | 16,372,000 | 16,797,000 | 16,909,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 1,789,000 | 3,741,000 | 6,001,000 | 8,275,000 |
| Interest expense | 665,000 | 1,444,000 | 2,525,000 | 3,591,000 |
| Net interest income | 1,124,000 | 2,297,000 | 3,476,000 | 4,684,000 |
| Noninterest income | 81,000 | 143,000 | 202,000 | 372,000 |
| Noninterest expense | 608,000 | 1,232,000 | 1,900,000 | 2,607,000 |
| Provision for loan losses | 38,000 | 84,000 | 244,000 | 310,000 |
| Pretax income | 532,000 | 1,079,000 | 1,583,000 | 2,189,000 |
| Income tax | 163,000 | 276,000 | 396,000 | 520,000 |
| Net income | 369,000 | 803,000 | 1,187,000 | 1,669,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,051,000 | 16,484,000 | 16,867,000 | 16,989,000 |
| Total capital | 17,000,000 | 17,511,000 | 17,974,000 | 18,077,000 |
| Risk-weighted assets | 75,255,000 | 81,491,000 | 87,951,000 | 86,310,000 |