Call reports 2023
RIVER BANK & TRUST — 2023
What RIVER BANK & TRUST 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 | 2,988,763,000 | 3,084,710,000 | 3,177,734,000 | 3,233,417,000 |
| Total loans | 1,915,955,000 | 2,055,775,000 | 2,129,368,000 | 2,244,600,000 |
| Allowance for loan losses | 25,715,000 | 26,890,000 | 27,832,000 | 28,990,000 |
| Securities available for sale | 669,804,000 | 631,516,000 | 602,625,000 | 621,094,000 |
| Securities held to maturity | 130,446,000 | 129,222,000 | 127,923,000 | 126,793,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,665,639,000 | 2,683,289,000 | 2,779,583,000 | 2,734,860,000 |
| Interest-bearing deposits | 1,986,181,000 | 2,010,973,000 | 2,132,358,000 | 2,102,240,000 |
| Noninterest-bearing deposits | 679,458,000 | 672,317,000 | 647,224,000 | 632,621,000 |
| Equity capital | 197,147,000 | 197,362,000 | 209,338,000 | 239,185,000 |
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 | 28,644,000 | 60,239,000 | 94,961,000 | 132,259,000 |
| Interest expense | 9,107,000 | 20,807,000 | 34,880,000 | 50,762,000 |
| Net interest income | 19,537,000 | 39,432,000 | 60,081,000 | 81,497,000 |
| Noninterest income | 3,085,000 | 10,309,000 | 14,194,000 | 19,770,000 |
| Noninterest expense | 14,218,000 | 30,066,000 | 44,970,000 | 60,477,000 |
| Provision for loan losses | 1,311,000 | 2,622,000 | 3,933,000 | 5,244,000 |
| Pretax income | 7,093,000 | 17,058,000 | 25,377,000 | 35,551,000 |
| Income tax | 1,523,000 | 3,783,000 | 5,677,000 | 7,339,000 |
| Net income | 5,570,000 | 13,275,000 | 19,700,000 | 28,212,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 232,177,000 | 240,811,000 | 265,515,000 | 274,289,000 |
| Total capital | 257,890,000 | 267,701,000 | 293,347,000 | 303,279,000 |
| Risk-weighted assets | 2,075,622,000 | 2,200,364,000 | 2,278,061,000 | 2,370,409,000 |