Call reports 2020
RIVER BANK & TRUST — 2020
What RIVER BANK & TRUST reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 1,417,323,000 | 1,705,265,000 | 1,781,615,000 | 1,864,515,000 |
| Total loans | 949,306,000 | 1,161,837,000 | 1,212,835,000 | 1,210,583,000 |
| Allowance for loan losses | 9,932,000 | 13,478,000 | 16,333,000 | 16,805,000 |
| Securities available for sale | 326,506,000 | 403,674,000 | 415,218,000 | 493,274,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,227,233,000 | 1,505,121,000 | 1,582,916,000 | 1,656,551,000 |
| Interest-bearing deposits | 903,294,000 | 1,043,604,000 | 1,141,930,000 | 1,216,745,000 |
| Noninterest-bearing deposits | 323,940,000 | 461,516,000 | 440,987,000 | 439,806,000 |
| Equity capital | 172,611,000 | 176,363,000 | 180,175,000 | 185,797,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 14,719,000 | 30,791,000 | 46,770,000 | 63,401,000 |
| Interest expense | 2,073,000 | 3,790,000 | 5,460,000 | 6,781,000 |
| Net interest income | 12,646,000 | 27,001,000 | 41,310,000 | 56,620,000 |
| Noninterest income | 2,384,000 | 5,463,000 | 8,594,000 | 11,633,000 |
| Noninterest expense | 8,615,000 | 17,515,000 | 26,479,000 | 36,469,000 |
| Provision for loan losses | 1,316,000 | 4,882,000 | 7,798,000 | 8,615,000 |
| Pretax income | 5,053,000 | 10,019,000 | 15,579,000 | 23,256,000 |
| Income tax | 1,032,000 | 2,068,000 | 3,256,000 | 5,012,000 |
| Net income | 4,021,000 | 7,951,000 | 12,323,000 | 18,244,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 135,093,000 | 138,129,000 | 141,290,000 | 146,636,000 |
| Total capital | 145,025,000 | 151,607,000 | 156,021,000 | 161,566,000 |
| Risk-weighted assets | 1,037,658,000 | 1,128,701,000 | 1,176,846,000 | 1,192,564,000 |