$RVRF
River Financial Corp

2019 Q4 Form 10-Q Financial Statement

#000156459019040291 Filed on November 05, 2019

View on sec.gov

Income Statement

Concept 2019 Q4 2019 Q3 2018 Q3
Revenue $11.94M $9.074M
YoY Change 31.55% 10.97%
Cost Of Revenue
YoY Change
Gross Profit
YoY Change
Gross Profit Margin
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization $680.0K $640.0K $360.0K
YoY Change 15.25% 77.78%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change
Interest Expense $2.153M $1.164M
YoY Change 84.97% 67.48%
% of Operating Profit
Other Income/Expense, Net
YoY Change
Pretax Income $3.930M $3.833M $3.223M
YoY Change 113.59% 18.93% -6.39%
Income Tax $1.160M $861.0K $741.0K
% Of Pretax Income 29.52% 22.46% 22.99%
Net Earnings $2.770M $2.972M $2.482M
YoY Change 84.67% 19.74% -3.16%
Net Earnings / Revenue 24.9% 27.35%
Basic Earnings Per Share $0.52 $0.48
Diluted Earnings Per Share $437.6K $0.51 $0.48
COMMON SHARES
Basic Shares Outstanding 6.481M 5.704M 5.131M
Diluted Shares Outstanding 5.798M 5.219M

Balance Sheet

Concept 2019 Q4 2019 Q3 2018 Q3
SHORT-TERM ASSETS
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
LONG-TERM ASSETS
Property, Plant & Equipment $31.55M $28.65M $21.70M
YoY Change 17.62% 32.02%
Goodwill $27.82M $18.29M
YoY Change 52.06%
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets $800.0K $100.0K $3.600M
YoY Change -33.33% -97.22%
Total Long-Term Assets
YoY Change
TOTAL ASSETS
Total Short-Term Assets
Total Long-Term Assets
Total Assets $1.364B $1.140B $871.6M
YoY Change 27.42% 30.77%
SHORT-TERM LIABILITIES
YoY Change
Accounts Payable $10.10M $8.700M $4.100M
YoY Change 90.57% 112.2%
Accrued Expenses
YoY Change
Deferred Revenue
YoY Change
Short-Term Debt $8.700M $9.700M $13.20M
YoY Change 8.75% -26.52%
Long-Term Debt Due $3.400M $3.300M $1.100M
YoY Change 6.25% 200.0%
Total Short-Term Liabilities $22.20M $21.70M $18.40M
YoY Change 34.55% 17.93%
LONG-TERM LIABILITIES
Long-Term Debt $20.40M $21.20M $3.500M
YoY Change -14.29% 505.71%
Other Long-Term Liabilities $1.800M $1.600M $1.200M
YoY Change 38.46% 33.33%
Total Long-Term Liabilities $22.20M $22.80M $4.700M
YoY Change -11.55% 385.11%
TOTAL LIABILITIES
Total Short-Term Liabilities $22.20M $21.70M $18.40M
Total Long-Term Liabilities $22.20M $22.80M $4.700M
Total Liabilities $1.217B $1.017B $779.5M
YoY Change 26.89% 30.42%
SHAREHOLDERS EQUITY
Retained Earnings $38.64M $35.87M
YoY Change 31.17%
Common Stock $106.7M $85.53M
YoY Change 25.06%
Preferred Stock
YoY Change
Treasury Stock (at cost) $93.00K $217.0K
YoY Change -17.7%
Treasury Stock Shares $3.307K $7.626K
Shareholders Equity $145.2M $121.6M $92.00M
YoY Change
Total Liabilities & Shareholders Equity $1.364B $1.140B $871.6M
YoY Change 27.42% 30.77%

Cashflow Statement

Concept 2019 Q4 2019 Q3 2018 Q3
OPERATING ACTIVITIES
Net Income $2.770M $2.972M $2.482M
YoY Change 84.67% 19.74% -3.16%
Depreciation, Depletion And Amortization $680.0K $640.0K $360.0K
YoY Change 15.25% 77.78%
Cash From Operating Activities $7.560M $150.0K $5.480M
YoY Change 62.23% -97.26%
INVESTING ACTIVITIES
Capital Expenditures -$330.0K -$10.00K -$440.0K
YoY Change 106.25% -97.73%
Acquisitions
YoY Change
Other Investing Activities -$61.78M -$27.58M -$36.72M
YoY Change -1013.91% -24.89%
Cash From Investing Activities -$62.12M -$27.58M -$37.17M
YoY Change -1041.21% -25.8%
FINANCING ACTIVITIES
Cash Dividend Paid
YoY Change
Common Stock Issuance & Retirement, Net
YoY Change
Debt Paid & Issued, Net
YoY Change
Cash From Financing Activities 51.07M 17.87M 13.17M
YoY Change 142.5% 35.69%
NET CHANGE
Cash From Operating Activities 7.560M 150.0K 5.480M
Cash From Investing Activities -62.12M -27.58M -37.17M
Cash From Financing Activities 51.07M 17.87M 13.17M
Net Change In Cash -3.490M -9.560M -18.52M
YoY Change -110.8% -48.38%
FREE CASH FLOW
Cash From Operating Activities $7.560M $150.0K $5.480M
Capital Expenditures -$330.0K -$10.00K -$440.0K
Free Cash Flow $7.890M $160.0K $5.920M
YoY Change 63.69% -97.3%

Facts In Submission

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CY2018Q4 us-gaap Available For Sale Securities Continuous Unrealized Loss Position Less Than12 Months Accumulated Loss
AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss
192000
CY2019Q3 us-gaap Available For Sale Securities Continuous Unrealized Loss Position Twelve Months Or Longer Fair Value
AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue
49630000
CY2018Q4 us-gaap Available For Sale Securities Continuous Unrealized Loss Position Twelve Months Or Longer Fair Value
AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue
110830000
CY2019Q3 us-gaap Available For Sale Securities Continuous Unrealized Loss Position12 Months Or Longer Accumulated Loss
AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss
723000
CY2019Q3 us-gaap Availableforsale Securities In Unrealized Loss Positions Qualitative Disclosure Number Of Positions1
AvailableforsaleSecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositions1
44
CY2019Q3 us-gaap Pledged Financial Instruments Not Separately Reported Securities For Federal Home Loan Bank
PledgedFinancialInstrumentsNotSeparatelyReportedSecuritiesForFederalHomeLoanBank
68600000
CY2018Q4 us-gaap Pledged Financial Instruments Not Separately Reported Securities For Federal Home Loan Bank
PledgedFinancialInstrumentsNotSeparatelyReportedSecuritiesForFederalHomeLoanBank
61500000
CY2019Q3 us-gaap Pledged Financial Instruments Not Separately Reported Securities For Repurchase Agreements
PledgedFinancialInstrumentsNotSeparatelyReportedSecuritiesForRepurchaseAgreements
15100000
CY2018Q4 us-gaap Pledged Financial Instruments Not Separately Reported Securities For Repurchase Agreements
PledgedFinancialInstrumentsNotSeparatelyReportedSecuritiesForRepurchaseAgreements
16500000
CY2019Q3 us-gaap Available For Sale Securities Debt Maturities Within One Year Amortized Cost
AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost
11999000
CY2018Q4 us-gaap Available For Sale Securities Debt Maturities Within One Year Amortized Cost
AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost
17094000
CY2019Q3 us-gaap Available For Sale Securities Debt Maturities After One Through Five Years Amortized Cost
AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost
45063000
CY2018Q4 us-gaap Available For Sale Securities Debt Maturities After One Through Five Years Amortized Cost
AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost
55924000
CY2019Q3 us-gaap Available For Sale Securities Debt Maturities After Five Through Ten Years Amortized Cost
AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost
20136000
CY2019Q3 us-gaap Lessee Operating Lease Liability Payments Due Next Rolling Twelve Months
LesseeOperatingLeaseLiabilityPaymentsDueNextRollingTwelveMonths
388000
CY2019Q3 us-gaap Lessee Operating Lease Liability Payments Due In Rolling Year Two
LesseeOperatingLeaseLiabilityPaymentsDueInRollingYearTwo
363000
CY2018Q4 us-gaap Available For Sale Securities Debt Maturities Within One Year Fair Value
AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue
17092000
CY2019Q3 us-gaap Lessee Operating Lease Liability Payments Due In Rolling Year Three
LesseeOperatingLeaseLiabilityPaymentsDueInRollingYearThree
355000
CY2019Q3 us-gaap Available For Sale Securities Debt Maturities After One Through Five Years Fair Value
AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue
46091000
CY2019Q3 us-gaap Lessee Operating Lease Liability Payments Due In Rolling Year Five
LesseeOperatingLeaseLiabilityPaymentsDueInRollingYearFive
298000
CY2019Q3 us-gaap Lessee Operating Lease Liability Undiscounted Excess Amount
LesseeOperatingLeaseLiabilityUndiscountedExcessAmount
503000
CY2018Q4 us-gaap Available For Sale Securities Debt Maturities After One Through Five Years Fair Value
AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue
56000000
CY2019Q3 us-gaap Available For Sale Securities Debt Maturities After Five Through Ten Years Fair Value
AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue
20692000
CY2018Q4 us-gaap Available For Sale Securities Debt Maturities After Five Through Ten Years Fair Value
AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue
23733000
CY2018Q4 us-gaap Impaired Financing Receivable Related Allowance
ImpairedFinancingReceivableRelatedAllowance
725000
us-gaap Impaired Financing Receivable Average Recorded Investment
ImpairedFinancingReceivableAverageRecordedInvestment
4632000
us-gaap Impaired Financing Receivable Interest Income Accrual Method
ImpairedFinancingReceivableInterestIncomeAccrualMethod
138000
us-gaap Impaired Financing Receivable Average Recorded Investment
ImpairedFinancingReceivableAverageRecordedInvestment
4942000
CY2018Q3 us-gaap Impaired Financing Receivable Recorded Investment
ImpairedFinancingReceivableRecordedInvestment
4268000
us-gaap Impaired Financing Receivable Interest Income Accrual Method
ImpairedFinancingReceivableInterestIncomeAccrualMethod
131000
CY2019Q3 us-gaap Financing Receivable Recorded Investment Current
FinancingReceivableRecordedInvestmentCurrent
752755000
CY2018Q4 us-gaap Financing Receivable Recorded Investment Current
FinancingReceivableRecordedInvestmentCurrent
709324000
CY2019Q3 us-gaap Available For Sale Securities Debt Maturities After Ten Years Fair Value
AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue
36438000
CY2018Q4 ck0001641601 Available For Sale Securities Before Residential Mortgage Backed Securities
AvailableForSaleSecuritiesBeforeResidentialMortgageBackedSecurities
123697000
CY2018Q4 us-gaap Loans And Leases Receivable Gross Carrying Amount
LoansAndLeasesReceivableGrossCarryingAmount
714177000
CY2018Q4 ck0001641601 Loans And Leases Receivable Net Deferred Loan Fees And Discounts
LoansAndLeasesReceivableNetDeferredLoanFeesAndDiscounts
2915000
CY2018Q4 ck0001641601 Percentage Of Loans And Leases Receivable Gross Carrying Amount
PercentageOfLoansAndLeasesReceivableGrossCarryingAmount
1.013
CY2018Q4 ck0001641601 Loans And Leases Receivable Allowance Percentage
LoansAndLeasesReceivableAllowancePercentage
0.009
CY2018Q4 ck0001641601 Loans And Leases Receivable Net Deferred Loan Fees And Discounts Percentage
LoansAndLeasesReceivableNetDeferredLoanFeesAndDiscountsPercentage
0.004
CY2018Q4 ck0001641601 Percentage Of Loans And Leases Receivable Net Reported Amount
PercentageOfLoansAndLeasesReceivableNetReportedAmount
1.000
ck0001641601 Number Of Primary Loan Portfolio Segments
NumberOfPrimaryLoanPortfolioSegments
3
us-gaap Allowance For Loan And Lease Losses Write Offs
AllowanceForLoanAndLeaseLossesWriteOffs
919000
us-gaap Allowance For Loan And Lease Loss Recovery Of Bad Debts
AllowanceForLoanAndLeaseLossRecoveryOfBadDebts
310000
CY2019Q3 us-gaap Financing Receivable Allowance For Credit Losses Individually Evaluated For Impairment1
FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1
378000
CY2019Q3 us-gaap Financing Receivable Allowance For Credit Losses Collectively Evaluated For Impairment
FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment
7210000
CY2019Q3 us-gaap Financing Receivable Individually Evaluated For Impairment
FinancingReceivableIndividuallyEvaluatedForImpairment
4043000
CY2019Q3 us-gaap Financing Receivable Collectively Evaluated For Impairment
FinancingReceivableCollectivelyEvaluatedForImpairment
752620000
CY2019Q3 us-gaap Notes Receivable Net
NotesReceivableNet
490000
us-gaap Allowance For Loan And Lease Losses Write Offs
AllowanceForLoanAndLeaseLossesWriteOffs
448000
CY2018Q3 us-gaap Loans And Leases Receivable Allowance
LoansAndLeasesReceivableAllowance
6063000
CY2018Q3 us-gaap Financing Receivable Allowance For Credit Losses Individually Evaluated For Impairment1
FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1
739000
CY2018Q3 us-gaap Financing Receivable Allowance For Credit Losses Collectively Evaluated For Impairment
FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment
5324000
CY2018Q3 us-gaap Financing Receivable Individually Evaluated For Impairment
FinancingReceivableIndividuallyEvaluatedForImpairment
4268000
CY2018Q3 us-gaap Financing Receivable Collectively Evaluated For Impairment
FinancingReceivableCollectivelyEvaluatedForImpairment
639564000
CY2019Q3 us-gaap Impaired Financing Receivable Unpaid Principal Balance
ImpairedFinancingReceivableUnpaidPrincipalBalance
4107000
CY2019Q3 us-gaap Impaired Financing Receivable Recorded Investment
ImpairedFinancingReceivableRecordedInvestment
4043000
CY2019Q3 us-gaap Impaired Financing Receivable With No Related Allowance Recorded Investment
ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment
2832000
CY2019Q3 us-gaap Impaired Financing Receivable With Related Allowance Recorded Investment
ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment
1211000
CY2019Q3 us-gaap Impaired Financing Receivable Related Allowance
ImpairedFinancingReceivableRelatedAllowance
378000
CY2018Q4 us-gaap Impaired Financing Receivable With Related Allowance Recorded Investment
ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment
2664000

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