Call reports 2019
RIVER BANK & TRUST — 2019
What RIVER BANK & TRUST reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 1,090,312,000 | 1,117,153,000 | 1,138,955,000 | 1,364,103,000 |
| Total loans | 735,654,000 | 754,928,000 | 765,086,000 | 912,070,000 |
| Allowance for loan losses | 7,129,000 | 7,104,000 | 7,588,000 | 8,680,000 |
| Securities available for sale | 225,491,000 | 220,487,000 | 236,144,000 | 303,303,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 940,594,000 | 967,866,000 | 982,900,000 | 1,177,634,000 |
| Interest-bearing deposits | 684,092,000 | 698,677,000 | 710,461,000 | 852,840,000 |
| Noninterest-bearing deposits | 256,503,000 | 269,190,000 | 272,439,000 | 324,794,000 |
| Equity capital | 132,155,000 | 134,687,000 | 137,797,000 | 167,967,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 11,354,000 | 22,987,000 | 34,924,000 | 48,706,000 |
| Interest expense | 1,524,000 | 3,216,000 | 4,986,000 | 6,955,000 |
| Net interest income | 9,830,000 | 19,771,000 | 29,938,000 | 41,751,000 |
| Noninterest income | 1,729,000 | 3,771,000 | 6,554,000 | 9,680,000 |
| Noninterest expense | 7,207,000 | 14,676,000 | 22,428,000 | 30,541,000 |
| Provision for loan losses | 540,000 | 1,080,000 | 1,620,000 | 2,910,000 |
| Pretax income | 3,812,000 | 7,783,000 | 12,435,000 | 18,093,000 |
| Income tax | 828,000 | 1,676,000 | 2,718,000 | 3,907,000 |
| Net income | 2,984,000 | 6,107,000 | 9,717,000 | 14,186,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 110,995,000 | 111,333,000 | 114,027,000 | 134,359,000 |
| Total capital | 118,124,000 | 118,438,000 | 121,615,000 | 143,039,000 |
| Risk-weighted assets | 829,342,000 | 832,503,000 | 844,385,000 | 996,738,000 |