Call reports 2025
RIVER BANK & TRUST — 2025
What RIVER BANK & TRUST reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 3,632,550,000 | 3,687,471,000 | 3,844,583,000 | 3,787,364,000 |
| Total loans | 2,542,192,000 | 2,570,259,000 | 2,646,280,000 | 2,723,000,000 |
| Allowance for loan losses | 33,798,000 | 33,552,000 | 35,044,000 | 36,012,000 |
| Securities available for sale | 621,679,000 | 618,234,000 | 647,869,000 | 628,626,000 |
| Securities held to maturity | 120,946,000 | 119,718,000 | 118,410,000 | 117,207,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 3,159,687,000 | 3,224,110,000 | 3,352,118,000 | 3,328,254,000 |
| Interest-bearing deposits | 2,506,240,000 | 2,572,240,000 | 2,677,165,000 | 2,660,507,000 |
| Noninterest-bearing deposits | 653,447,000 | 651,870,000 | 674,953,000 | 667,747,000 |
| Equity capital | 286,958,000 | 298,129,000 | 321,988,000 | 339,061,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 46,332,000 | 94,770,000 | 145,734,000 | 197,611,000 |
| Interest expense | 18,050,000 | 36,411,000 | 55,468,000 | 74,270,000 |
| Net interest income | 28,282,000 | 58,359,000 | 90,266,000 | 123,341,000 |
| Noninterest income | 5,185,000 | 10,277,000 | 15,677,000 | 20,678,000 |
| Noninterest expense | 16,737,000 | 33,961,000 | 51,988,000 | 69,855,000 |
| Provision for loan losses | 1,686,000 | 3,372,000 | 5,058,000 | 7,244,000 |
| Pretax income | 11,645,000 | 27,805,000 | 41,927,000 | 56,809,000 |
| Income tax | 2,749,000 | 6,403,000 | 9,440,000 | 13,036,000 |
| Net income | 8,896,000 | 21,402,000 | 32,487,000 | 43,773,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 308,933,000 | 321,804,000 | 332,423,000 | 344,054,000 |
| Total capital | 341,246,000 | 354,493,000 | 366,141,000 | 378,261,000 |
| Risk-weighted assets | 2,583,557,000 | 2,614,246,000 | 2,696,077,000 | 2,734,729,000 |