2021 Form 10-K Financial Statement

#000156459022010446 Filed on March 15, 2022

View on sec.gov

Income Statement

Concept 2021 2020 Q4 2020
Revenue $71.80M $63.41M
YoY Change 13.23% 29.86%
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 $1.510M $680.0K $1.477M
YoY Change 2.23% 0.0% 9.49%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change
Interest Expense $5.649M $8.132M
YoY Change -30.53% -4.33%
% of Operating Profit
Other Income/Expense, Net
YoY Change
Pretax Income $32.20M $7.360M $21.69M
YoY Change 48.49% 87.28% 48.69%
Income Tax $7.163M $1.660M $4.595M
% Of Pretax Income 22.25% 22.55% 21.19%
Net Earnings $25.04M $5.700M $17.09M
YoY Change 46.5% 105.78% 53.77%
Net Earnings / Revenue 34.87% 26.95%
Basic Earnings Per Share $3.83 $2.63
Diluted Earnings Per Share $3.79 $868.9K $2.60
COMMON SHARES
Basic Shares Outstanding 6.538M 6.498M
Diluted Shares Outstanding 6.613M 6.571M

Balance Sheet

Concept 2021 2020 Q4 2020
SHORT-TERM ASSETS
Cash & Short-Term Investments
YoY Change
Cash & Equivalents $60.27M
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 $40.00M $32.50M $34.10M
YoY Change 17.3% 3.0% 7.91%
Goodwill $27.82M
YoY Change 0.0%
Intangibles
YoY Change
Long-Term Investments $1.500M
YoY Change
Other Assets $6.300M $1.600M $1.600M
YoY Change 293.75% 100.0% 100.0%
Total Long-Term Assets
YoY Change
TOTAL ASSETS
Total Short-Term Assets
Total Long-Term Assets
Total Assets $2.396B $1.865B $1.865B
YoY Change 28.48% 36.71% 36.72%
SHORT-TERM LIABILITIES
YoY Change
Accounts Payable $9.300M $7.100M $7.100M
YoY Change 30.99% -29.7% -29.7%
Accrued Expenses $3.400M $1.700M $1.700M
YoY Change 100.0%
Deferred Revenue
YoY Change
Short-Term Debt $9.800M $13.70M $13.70M
YoY Change -28.47% 57.47% 57.47%
Long-Term Debt Due $3.600M $3.600M
YoY Change 5.88% 5.88%
Total Short-Term Liabilities $22.50M $26.10M $26.10M
YoY Change -13.79% 17.57% 17.57%
LONG-TERM LIABILITIES
Long-Term Debt $39.30M $16.80M $16.80M
YoY Change 133.93% -17.65% -17.65%
Other Long-Term Liabilities $3.100M $1.700M $1.700M
YoY Change 82.35% -5.56% -5.56%
Total Long-Term Liabilities $42.40M $18.50M $18.50M
YoY Change 129.19% -16.67% -16.67%
TOTAL LIABILITIES
Total Short-Term Liabilities $22.50M $26.10M $26.10M
Total Long-Term Liabilities $42.40M $18.50M $18.50M
Total Liabilities $2.216B $1.696B $1.698B
YoY Change 30.5% 39.41% 39.35%
SHAREHOLDERS EQUITY
Retained Earnings $53.39M
YoY Change 38.16%
Common Stock $107.2M
YoY Change 0.53%
Preferred Stock
YoY Change
Treasury Stock (at cost) $757.0K
YoY Change 713.98%
Treasury Stock Shares $27.74K
Shareholders Equity $179.6M $166.4M $166.4M
YoY Change
Total Liabilities & Shareholders Equity $2.396B $1.865B $1.865B
YoY Change 28.48% 36.71% 36.72%

Cashflow Statement

Concept 2021 2020 Q4 2020
OPERATING ACTIVITIES
Net Income $25.04M $5.700M $17.09M
YoY Change 46.5% 105.78% 53.77%
Depreciation, Depletion And Amortization $1.510M $680.0K $1.477M
YoY Change 2.23% 0.0% 9.49%
Cash From Operating Activities $41.22M $6.930M $4.872M
YoY Change 746.08% -8.33% -46.13%
INVESTING ACTIVITIES
Capital Expenditures $5.712M -$1.250M $2.424M
YoY Change 135.64% 278.79% -23.34%
Acquisitions
YoY Change
Other Investing Activities -$545.2M -$78.22M -$465.9M
YoY Change 17.03% 26.61% 318.24%
Cash From Investing Activities -$550.9M -$79.47M -$468.3M
YoY Change 17.64% 27.93% 308.81%
FINANCING ACTIVITIES
Cash Dividend Paid $2.612M $2.343M
YoY Change 11.48% 24.56%
Common Stock Issuance & Retirement, Net $845.0K $861.0K
YoY Change -1.86% 47.68%
Debt Paid & Issued, Net
YoY Change
Cash From Financing Activities 511.4M 76.59M 478.2M
YoY Change 6.93% 49.97% 362.27%
NET CHANGE
Cash From Operating Activities 41.22M 6.930M 4.872M
Cash From Investing Activities -550.9M -79.47M -468.3M
Cash From Financing Activities 511.4M 76.59M 478.2M
Net Change In Cash 1.694M 4.050M 14.81M
YoY Change -88.56% -216.05% -821.88%
FREE CASH FLOW
Cash From Operating Activities $41.22M $6.930M $4.872M
Capital Expenditures $5.712M -$1.250M $2.424M
Free Cash Flow $35.51M $8.180M $2.448M
YoY Change 1350.53% 3.68% -58.38%

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InterestIncomeExpenseNet
55275000
CY2021 ck001641601 Fees And Service Charges
FeesAndServiceCharges
5922000
CY2020 ck001641601 Fees And Service Charges
FeesAndServiceCharges
5038000
CY2021 ck001641601 Mortgage Banking Income
MortgageBankingIncome
7389000
CY2020 ck001641601 Mortgage Banking Income
MortgageBankingIncome
5284000
CY2021 us-gaap Bank Owned Life Insurance Income
BankOwnedLifeInsuranceIncome
1139000
CY2020 us-gaap Bank Owned Life Insurance Income
BankOwnedLifeInsuranceIncome
792000
CY2021 us-gaap Debt And Equity Securities Gain Loss
DebtAndEquitySecuritiesGainLoss
-608000
CY2020 us-gaap Debt And Equity Securities Gain Loss
DebtAndEquitySecuritiesGainLoss
87000
CY2021 us-gaap Noninterest Income Other Operating Income
NoninterestIncomeOtherOperatingIncome
415000
CY2020 us-gaap Noninterest Income Other Operating Income
NoninterestIncomeOtherOperatingIncome
420000
CY2021 us-gaap Noninterest Income
NoninterestIncome
14542000
CY2020 us-gaap Noninterest Income
NoninterestIncome
11805000
CY2021 us-gaap Equipment Expense
EquipmentExpense
1118000
CY2020 us-gaap Equipment Expense
EquipmentExpense
1152000
CY2021 us-gaap Communication
Communication
662000
CY2020 us-gaap Communication
Communication
543000
CY2021 us-gaap Marketing And Advertising Expense
MarketingAndAdvertisingExpense
764000
CY2020 us-gaap Marketing And Advertising Expense
MarketingAndAdvertisingExpense
549000
CY2021 us-gaap Information Technology And Data Processing
InformationTechnologyAndDataProcessing
3268000
CY2020 us-gaap Information Technology And Data Processing
InformationTechnologyAndDataProcessing
2788000
CY2021 ck001641601 Foreclosed Real Estate Expense Benefit
ForeclosedRealEstateExpenseBenefit
-72000
CY2020 ck001641601 Foreclosed Real Estate Expense Benefit
ForeclosedRealEstateExpenseBenefit
234000
CY2021 us-gaap Federal Deposit Insurance Corporation Premium Expense
FederalDepositInsuranceCorporationPremiumExpense
1298000
CY2020 us-gaap Federal Deposit Insurance Corporation Premium Expense
FederalDepositInsuranceCorporationPremiumExpense
829000
CY2021 ck001641601 Legal And Other Professional Services
LegalAndOtherProfessionalServices
841000
CY2020 ck001641601 Legal And Other Professional Services
LegalAndOtherProfessionalServices
762000
CY2021 us-gaap Other Noninterest Expense
OtherNoninterestExpense
6251000
CY2020 us-gaap Other Noninterest Expense
OtherNoninterestExpense
5469000
CY2021 us-gaap Noninterest Expense
NoninterestExpense
43748000
CY2020 us-gaap Noninterest Expense
NoninterestExpense
36780000
CY2021 us-gaap Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest
IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest
32199000
CY2020 us-gaap Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest
IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest
21685000
CY2021 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
7163000
CY2020 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
4595000
CY2021 us-gaap Net Income Loss
NetIncomeLoss
25036000
CY2020 us-gaap Net Income Loss
NetIncomeLoss
17090000
CY2021 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
3.83
CY2020 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
2.63
CY2021 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
3.79
CY2020 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
2.60
CY2021 us-gaap Net Income Loss
NetIncomeLoss
25036000
CY2020 us-gaap Net Income Loss
NetIncomeLoss
17090000
CY2021 us-gaap Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Before Tax
OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax
-13336000
CY2020 us-gaap Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Before Tax
OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax
8766000
CY2021 us-gaap Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Tax
OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax
-3349000
CY2020 us-gaap Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Tax
OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax
2202000
CY2021 us-gaap Other Comprehensive Income Loss Reclassification Adjustment From Aoci For Sale Of Securities Before Tax
OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax
-608000
CY2020 us-gaap Other Comprehensive Income Loss Reclassification Adjustment From Aoci For Sale Of Securities Before Tax
OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax
87000
CY2021 us-gaap Other Comprehensive Income Loss Reclassification Adjustment From Aoci For Sale Of Securities Tax
OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax
-153000
CY2020 us-gaap Other Comprehensive Income Loss Reclassification Adjustment From Aoci For Sale Of Securities Tax
OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax
22000
CY2021 us-gaap Other Comprehensive Income Loss Net Of Tax
OtherComprehensiveIncomeLossNetOfTax
-9532000
CY2020 us-gaap Other Comprehensive Income Loss Net Of Tax
OtherComprehensiveIncomeLossNetOfTax
6499000
CY2021 us-gaap Comprehensive Income Net Of Tax
ComprehensiveIncomeNetOfTax
15504000
CY2020 us-gaap Comprehensive Income Net Of Tax
ComprehensiveIncomeNetOfTax
23589000
CY2019Q4 us-gaap Stockholders Equity
StockholdersEquity
145192000
CY2020 us-gaap Net Income Loss
NetIncomeLoss
17090000
CY2020 us-gaap Other Comprehensive Income Loss Net Of Tax
OtherComprehensiveIncomeLossNetOfTax
6499000
CY2020 ck001641601 Stock Issued During Period Shares Stock Options And Warrants Exercised
StockIssuedDuringPeriodSharesStockOptionsAndWarrantsExercised
35952
CY2020 ck001641601 Stock Issued During Period Value Stock Options And Warrants Exercised
StockIssuedDuringPeriodValueStockOptionsAndWarrantsExercised
349000
CY2020 us-gaap Treasury Stock Shares Acquired
TreasuryStockSharesAcquired
31404
CY2020 us-gaap Treasury Stock Value Acquired Par Value Method
TreasuryStockValueAcquiredParValueMethod
861000
CY2020 us-gaap Stock Issued During Period Shares Treasury Stock Reissued
StockIssuedDuringPeriodSharesTreasuryStockReissued
6971
CY2020 us-gaap Stock Issued During Period Value Treasury Stock Reissued
StockIssuedDuringPeriodValueTreasuryStockReissued
199000
CY2020 us-gaap Common Stock Dividends Per Share Declared
CommonStockDividendsPerShareDeclared
0.36
CY2020 us-gaap Dividends Common Stock
DividendsCommonStock
2343000
CY2020 us-gaap Adjustments To Additional Paid In Capital Sharebased Compensation Requisite Service Period Recognition Value
AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue
218000
CY2020 us-gaap Reclassifications Of Temporary To Permanent Equity
ReclassificationsOfTemporaryToPermanentEquity
105000
CY2020Q4 us-gaap Stockholders Equity
StockholdersEquity
166448000
CY2021 us-gaap Other Comprehensive Income Loss Net Of Tax
OtherComprehensiveIncomeLossNetOfTax
-9532000
CY2021 ck001641601 Stock Issued During Period Shares Stock Options And Warrants Exercised
StockIssuedDuringPeriodSharesStockOptionsAndWarrantsExercised
41621
CY2021 ck001641601 Stock Issued During Period Value Stock Options And Warrants Exercised
StockIssuedDuringPeriodValueStockOptionsAndWarrantsExercised
730000
CY2021 us-gaap Treasury Stock Shares Acquired
TreasuryStockSharesAcquired
27285
CY2021 us-gaap Treasury Stock Value Acquired Par Value Method
TreasuryStockValueAcquiredParValueMethod
845000
CY2021 us-gaap Stock Issued During Period Shares Treasury Stock Reissued
StockIssuedDuringPeriodSharesTreasuryStockReissued
52925
CY2021 us-gaap Stock Issued During Period Value Treasury Stock Reissued
StockIssuedDuringPeriodValueTreasuryStockReissued
1541000
CY2021 us-gaap Common Stock Dividends Per Share Declared
CommonStockDividendsPerShareDeclared
0.40
CY2021 us-gaap Dividends Common Stock
DividendsCommonStock
2612000
CY2021 us-gaap Adjustments To Additional Paid In Capital Sharebased Compensation Requisite Service Period Recognition Value
AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue
180000
CY2021 us-gaap Reclassifications Of Temporary To Permanent Equity
ReclassificationsOfTemporaryToPermanentEquity
-1384000
CY2021Q4 us-gaap Stockholders Equity
StockholdersEquity
179562000
CY2021 us-gaap Net Income Loss
NetIncomeLoss
25036000
CY2020 us-gaap Net Income Loss
NetIncomeLoss
17090000
CY2021 us-gaap Provision For Loan And Lease Losses
ProvisionForLoanAndLeaseLosses
4744000
CY2020 us-gaap Provision For Loan And Lease Losses
ProvisionForLoanAndLeaseLosses
8615000
CY2021 ck001641601 Provision For Losses On Foreclosed Assets
ProvisionForLossesOnForeclosedAssets
120000
CY2020 ck001641601 Provision For Losses On Foreclosed Assets
ProvisionForLossesOnForeclosedAssets
120000
CY2020 us-gaap Investment Income Amortization Of Premium
InvestmentIncomeAmortizationOfPremium
4518000
CY2021 ck001641601 Accretion Of Discount On Securities
AccretionOfDiscountOnSecurities
226000
CY2020 ck001641601 Accretion Of Discount On Securities
AccretionOfDiscountOnSecurities
222000
CY2021 ck001641601 Accretion Of Acquired Loans
AccretionOfAcquiredLoans
400000
CY2020 ck001641601 Accretion Of Acquired Loans
AccretionOfAcquiredLoans
1010000
CY2021 us-gaap Debt Securities Available For Sale Realized Gain Loss
DebtSecuritiesAvailableForSaleRealizedGainLoss
-608000
CY2020 us-gaap Debt Securities Available For Sale Realized Gain Loss
DebtSecuritiesAvailableForSaleRealizedGainLoss
87000
CY2020 us-gaap Amortization Of Deferred Loan Origination Fees Net
AmortizationOfDeferredLoanOriginationFeesNet
-1923000
CY2020 us-gaap Amortization Of Intangible Assets
AmortizationOfIntangibleAssets
1265000
CY2020 us-gaap Share Based Compensation
ShareBasedCompensation
218000
CY2021 us-gaap Bank Owned Life Insurance Income
BankOwnedLifeInsuranceIncome
1139000
CY2020 us-gaap Bank Owned Life Insurance Income
BankOwnedLifeInsuranceIncome
792000
CY2021 us-gaap Depreciation Depletion And Amortization
DepreciationDepletionAndAmortization
1510000
CY2020 us-gaap Depreciation Depletion And Amortization
DepreciationDepletionAndAmortization
1477000
CY2021 ck001641601 Loss Gain On Sale Of Foreclosed Assets
LossGainOnSaleOfForeclosedAssets
267000
CY2020 ck001641601 Loss Gain On Sale Of Foreclosed Assets
LossGainOnSaleOfForeclosedAssets
-29000
CY2021 us-gaap Deferred Income Tax Expense Benefit
DeferredIncomeTaxExpenseBenefit
-1432000
CY2020 us-gaap Deferred Income Tax Expense Benefit
DeferredIncomeTaxExpenseBenefit
-3027000
CY2021 us-gaap Increase Decrease In Loans Held For Sale
IncreaseDecreaseInLoansHeldForSale
-8503000
CY2020 us-gaap Increase Decrease In Loans Held For Sale
IncreaseDecreaseInLoansHeldForSale
17719000
CY2021 us-gaap Increase Decrease In Accrued Interest Receivable Net
IncreaseDecreaseInAccruedInterestReceivableNet
232000
CY2020 us-gaap Increase Decrease In Accrued Interest Receivable Net
IncreaseDecreaseInAccruedInterestReceivableNet
2958000
CY2021 us-gaap Increase Decrease In Other Operating Assets
IncreaseDecreaseInOtherOperatingAssets
5094000
CY2020 us-gaap Increase Decrease In Other Operating Assets
IncreaseDecreaseInOtherOperatingAssets
3226000
CY2021 us-gaap Increase Decrease In Accounts Payable And Accrued Liabilities
IncreaseDecreaseInAccountsPayableAndAccruedLiabilities
3936000
CY2020 us-gaap Increase Decrease In Accounts Payable And Accrued Liabilities
IncreaseDecreaseInAccountsPayableAndAccruedLiabilities
-1342000
CY2021 us-gaap Net Cash Provided By Used In Operating Activities
NetCashProvidedByUsedInOperatingActivities
41221000
CY2020 us-gaap Net Cash Provided By Used In Operating Activities
NetCashProvidedByUsedInOperatingActivities
4872000
CY2021 ck001641601 Proceeds From Interest Bearing Deposits In Banks
ProceedsFromInterestBearingDepositsInBanks
749000
CY2020 ck001641601 Proceeds From Interest Bearing Deposits In Banks
ProceedsFromInterestBearingDepositsInBanks
2439000
CY2020 ck001641601 Payments For Interest Bearing Deposits In Banks
PaymentsForInterestBearingDepositsInBanks
1748000
CY2021 us-gaap Proceeds From Sale Of Available For Sale Securities Debt
ProceedsFromSaleOfAvailableForSaleSecuritiesDebt
162185000
CY2020 us-gaap Proceeds From Sale Of Available For Sale Securities Debt
ProceedsFromSaleOfAvailableForSaleSecuritiesDebt
21744000
CY2021 us-gaap Proceeds From Maturities Prepayments And Calls Of Available For Sale Securities
ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities
131928000
CY2020 us-gaap Proceeds From Maturities Prepayments And Calls Of Available For Sale Securities
ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities
92374000
CY2021 us-gaap Payments To Acquire Available For Sale Securities Debt
PaymentsToAcquireAvailableForSaleSecuritiesDebt
697987000
CY2020 us-gaap Payments To Acquire Available For Sale Securities Debt
PaymentsToAcquireAvailableForSaleSecuritiesDebt
299632000
CY2021 us-gaap Payments To Acquire Held To Maturity Securities
PaymentsToAcquireHeldToMaturitySecurities
50186000
CY2021 ck001641601 Payments For Proceeds From Loan Principal Originations
PaymentsForProceedsFromLoanPrincipalOriginations
77969000
CY2020 ck001641601 Payments For Proceeds From Loan Principal Originations
PaymentsForProceedsFromLoanPrincipalOriginations
282746000
CY2020 us-gaap Proceeds From Sale Of Foreclosed Assets
ProceedsFromSaleOfForeclosedAssets
1562000
CY2021 us-gaap Payments To Acquire Property Plant And Equipment
PaymentsToAcquirePropertyPlantAndEquipment
5712000
CY2021 ck001641601 Payments For Proceeds From Restricted Equity Securities Net
PaymentsForProceedsFromRestrictedEquitySecuritiesNet
-295000
CY2020 ck001641601 Payments For Proceeds From Restricted Equity Securities Net
PaymentsForProceedsFromRestrictedEquitySecuritiesNet
-127000
CY2021 us-gaap Payments To Acquire Life Insurance Policies
PaymentsToAcquireLifeInsurancePolicies
15000000
CY2021 us-gaap Net Cash Provided By Used In Investing Activities
NetCashProvidedByUsedInInvestingActivities
-550936000
CY2021 us-gaap Proceeds From Payments For In Securities Sold Under Agreements To Repurchase
ProceedsFromPaymentsForInSecuritiesSoldUnderAgreementsToRepurchase
-3899000
CY2021 us-gaap Proceeds From Issuance Of Subordinated Long Term Debt
ProceedsFromIssuanceOfSubordinatedLongTermDebt
39344000
CY2021 us-gaap Repayments Of Notes Payable
RepaymentsOfNotesPayable
20392000
CY2020 us-gaap Repayments Of Notes Payable
RepaymentsOfNotesPayable
3381000
CY2021 ck001641601 Proceeds From Exercise Of Stock Options And Warrants
ProceedsFromExerciseOfStockOptionsAndWarrants
730000
CY2020 ck001641601 Proceeds From Exercise Of Stock Options And Warrants
ProceedsFromExerciseOfStockOptionsAndWarrants
349000
CY2021 us-gaap Payments For Repurchase Of Common Stock
PaymentsForRepurchaseOfCommonStock
845000
CY2021 us-gaap Payments Of Dividends
PaymentsOfDividends
2612000
CY2021 us-gaap Net Cash Provided By Used In Financing Activities
NetCashProvidedByUsedInFinancingActivities
511409000
CY2020 us-gaap Net Cash Provided By Used In Financing Activities
NetCashProvidedByUsedInFinancingActivities
478245000
CY2021 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Including Exchange Rate Effect
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect
1694000
CY2020 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Including Exchange Rate Effect
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect
14813000
CY2021Q4 us-gaap Cash Cash Equivalents And Federal Funds Sold
CashCashEquivalentsAndFederalFundsSold
61962000
CY2020Q4 us-gaap Cash Cash Equivalents And Federal Funds Sold
CashCashEquivalentsAndFederalFundsSold
60268000
CY2021 ck001641601 Interest Paid To Depositors
InterestPaidToDepositors
4141000
CY2020 ck001641601 Interest Paid To Depositors
InterestPaidToDepositors
6882000
CY2021 ck001641601 Interest Paid On Borrowings
InterestPaidOnBorrowings
447000
CY2020 ck001641601 Interest Paid On Borrowings
InterestPaidOnBorrowings
1400000
CY2021 us-gaap Income Taxes Paid Net
IncomeTaxesPaidNet
9587000
CY2020 us-gaap Income Taxes Paid Net
IncomeTaxesPaidNet
9875000
CY2021 us-gaap Transfer Of Loans Held For Sale To Portfolio Loans1
TransferOfLoansHeldForSaleToPortfolioLoans1
630000
CY2021Q4 us-gaap Held To Maturity Securities
HeldToMaturitySecurities
50182000
CY2021Q4 us-gaap Held To Maturity Securities Accumulated Unrecognized Holding Gain
HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain
139000
CY2021Q4 us-gaap Cash Reserve Deposit Required And Made
CashReserveDepositRequiredAndMade
0
CY2020Q4 us-gaap Cash Reserve Deposit Required And Made
CashReserveDepositRequiredAndMade
0
CY2021Q4 ck001641601 Interest Bearing Deposits In Banks Mature Within One Year And Are Carried At Cost
InterestBearingDepositsInBanksMatureWithinOneYearAndAreCarriedAtCost
100000
CY2021Q4 us-gaap Held To Maturity Securities Accumulated Unrecognized Holding Loss
HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss
156000
CY2021Q4 us-gaap Held To Maturity Securities Fair Value
HeldToMaturitySecuritiesFairValue
50165000
CY2020Q4 us-gaap Available For Sale Debt Securities Amortized Cost Basis
AvailableForSaleDebtSecuritiesAmortizedCostBasis
482156000
CY2021 us-gaap Concentration Risk Credit Risk
ConcentrationRiskCreditRisk
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><span style="text-decoration:underline;">Concentrations of Credit Risk</span></p> <p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:10pt;"> </p> <p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;color:#222222;font-family:Times New Roman;font-size:10pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The Company originates primarily commercial, commercial real estate, residential real estate, and consumer loans to customers in its primary market areas in Alabama listed above.  The ability of the majority of the Company’s customers to honor their contractual loan obligations is dependent on the economy in these areas.  Approximately 76% percent of the Company’s loan portfolio is secured by real estate, of which the majority is secured by real estate in the Company’s market areas.  The Company, according to regulatory restrictions, may not generally extend credit to any single borrower or group of related borrowers on a secured basis in excess of 20% of capital, as defined, or $41 million, or on an unsecured basis in excess of 10% of capital, as defined, or $21 million<span style="Background-color:#FFFFFF;">.  However, the Company has established internal policies that may further limit the extension of credit to any single borrower or group of related borrowers depending on their credit worthiness.</span></p>
CY2021 ck001641601 Percentage Of Loan Portfolio Secured By Real Estate
PercentageOfLoanPortfolioSecuredByRealEstate
0.76
CY2020Q4 ck001641601 Loans And Leases Receivable Allowance Percentage
LoansAndLeasesReceivableAllowancePercentage
0.014
CY2021Q4 ck001641601 Loans And Leases Receivable Net Discounts
LoansAndLeasesReceivableNetDiscounts
400000
CY2021Q4 ck001641601 Loans And Leases Receivable Net Discounts Percentage
LoansAndLeasesReceivableNetDiscountsPercentage
0.000
CY2021 us-gaap Allowance For Loan And Lease Loss Recovery Of Bad Debts
AllowanceForLoanAndLeaseLossRecoveryOfBadDebts
362000
CY2021Q4 us-gaap Loans And Leases Receivable Allowance
LoansAndLeasesReceivableAllowance
20922000
CY2020Q4 us-gaap Available For Sale Debt Securities Accumulated Gross Unrealized Gain Before Tax
AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax
11577000
CY2020Q4 us-gaap Available For Sale Debt Securities Accumulated Gross Unrealized Loss Before Tax
AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax
459000
CY2020Q4 us-gaap Available For Sale Securities Debt Securities
AvailableForSaleSecuritiesDebtSecurities
493274000
CY2021Q4 us-gaap Financing Receivable Allowance For Credit Losses Individually Evaluated For Impairment1
FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1
424000
CY2021Q4 us-gaap Financing Receivable Allowance For Credit Losses Collectively Evaluated For Impairment
FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment
20498000
CY2021 us-gaap Reclassifications
Reclassifications
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">(2) Reclassifications</p> <p style="margin-bottom:0pt;margin-top:6pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Certain prior period amounts have been reclassified to conform to the presentation used in 2021. These reclassifications had no material effect on the operations, financial condition or cash flows of the Company. </p>
CY2021Q4 us-gaap Available For Sale Debt Securities Amortized Cost Basis
AvailableForSaleDebtSecuritiesAmortizedCostBasis
878363000
CY2021Q4 us-gaap Available For Sale Debt Securities Accumulated Gross Unrealized Gain Before Tax
AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax
6521000
CY2021Q4 us-gaap Available For Sale Debt Securities Accumulated Gross Unrealized Loss Before Tax
AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax
8125000
CY2021Q4 us-gaap Available For Sale Securities Debt Securities
AvailableForSaleSecuritiesDebtSecurities
876759000
CY2021 us-gaap Net Income Loss
NetIncomeLoss
25036000
CY2020 us-gaap Net Income Loss
NetIncomeLoss
17090000
CY2021 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
6537505
CY2020 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
6498085
CY2021 us-gaap Incremental Common Shares Attributable To Share Based Payment Arrangements
IncrementalCommonSharesAttributableToShareBasedPaymentArrangements
75722
CY2020 us-gaap Incremental Common Shares Attributable To Share Based Payment Arrangements
IncrementalCommonSharesAttributableToShareBasedPaymentArrangements
73216
CY2021 us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
6613227
CY2020 us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
6571301
CY2021 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
3.83
CY2020 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
2.63
CY2021 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
3.79
CY2020 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
2.60
CY2021 us-gaap Number Of Reportable Segments
NumberOfReportableSegments
1
CY2021 us-gaap Prior Period Reclassification Adjustment Description
PriorPeriodReclassificationAdjustmentDescription
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:10pt;"> </p> <p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:10pt;"> </p>
CY2021Q4 ck001641601 Loans And Leases Receivable Allowance Percentage
LoansAndLeasesReceivableAllowancePercentage
0.017
CY2021Q4 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position Less Than12 Months
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months
635838000
CY2021Q4 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position Less Than12 Months Accumulated Loss
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss
7120000
CY2021Q4 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position12 Months Or Longer
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger
33650000
CY2021Q4 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position12 Months Or Longer Accumulated Loss
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss
1005000
CY2021Q4 us-gaap Debt Securities Available For Sale Unrealized Loss Position
DebtSecuritiesAvailableForSaleUnrealizedLossPosition
669488000
CY2021Q4 us-gaap Debt Securities Available For Sale Unrealized Loss Position Accumulated Loss
DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss
8125000
CY2020Q4 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position Less Than12 Months
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months
130872000
CY2020Q4 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position Less Than12 Months Accumulated Loss
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss
459000
CY2020Q4 us-gaap Debt Securities Available For Sale Unrealized Loss Position
DebtSecuritiesAvailableForSaleUnrealizedLossPosition
130872000
CY2020Q4 us-gaap Debt Securities Available For Sale Unrealized Loss Position Accumulated Loss
DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss
459000
CY2021Q4 us-gaap Held To Maturity Securities Continuous Unrealized Loss Position Less Than Twelve Months Fair Value
HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue
17775000
CY2021Q4 us-gaap Held To Maturity Securities Continuous Unrealized Loss Position Less Than12 Months Accumulated Loss
HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss
156000
CY2021Q4 us-gaap Held To Maturity Securities Continuous Unrealized Loss Position Fair Value
HeldToMaturitySecuritiesContinuousUnrealizedLossPositionFairValue
17775000
CY2021Q4 us-gaap Held To Maturity Securities Continuous Unrealized Loss Position Accumulated Loss
HeldToMaturitySecuritiesContinuousUnrealizedLossPositionAccumulatedLoss
156000
CY2021Q4 us-gaap Held To Maturity Securities In Unrealized Loss Positions Qualitative Disclosure Number Of Positions
HeldToMaturitySecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositions
168
CY2021Q4 ck001641601 Number Of Securities
NumberOfSecurities
435
CY2021 us-gaap Debt Securities Available For Sale Realized Gain
DebtSecuritiesAvailableForSaleRealizedGain
700000
CY2020 us-gaap Debt Securities Available For Sale Realized Gain
DebtSecuritiesAvailableForSaleRealizedGain
216000
CY2021 us-gaap Debt Securities Available For Sale Realized Loss
DebtSecuritiesAvailableForSaleRealizedLoss
1308000
CY2020 us-gaap Debt Securities Available For Sale Realized Loss
DebtSecuritiesAvailableForSaleRealizedLoss
129000
CY2021 us-gaap Debt Securities Available For Sale Realized Gain Loss
DebtSecuritiesAvailableForSaleRealizedGainLoss
-608000
CY2020 us-gaap Debt Securities Available For Sale Realized Gain Loss
DebtSecuritiesAvailableForSaleRealizedGainLoss
87000
CY2021 us-gaap Proceeds From Sale Of Available For Sale Securities Debt
ProceedsFromSaleOfAvailableForSaleSecuritiesDebt
162185000
CY2020 us-gaap Proceeds From Sale Of Available For Sale Securities Debt
ProceedsFromSaleOfAvailableForSaleSecuritiesDebt
21744000
CY2021Q4 us-gaap Pledged Financial Instruments Not Separately Reported Securities For Federal Home Loan Bank
PledgedFinancialInstrumentsNotSeparatelyReportedSecuritiesForFederalHomeLoanBank
205300000
CY2020Q4 us-gaap Pledged Financial Instruments Not Separately Reported Securities For Federal Home Loan Bank
PledgedFinancialInstrumentsNotSeparatelyReportedSecuritiesForFederalHomeLoanBank
129000000.0
CY2020Q4 us-gaap Pledged Financial Instruments Not Separately Reported Securities For Repurchase Agreements
PledgedFinancialInstrumentsNotSeparatelyReportedSecuritiesForRepurchaseAgreements
15200000
CY2021Q4 us-gaap Available For Sale Securities Debt Maturities Within One Year Amortized Cost
AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost
11573000
CY2021Q4 us-gaap Available For Sale Securities Debt Maturities Within One Year Fair Value
AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue
11682000
CY2020Q4 us-gaap Available For Sale Securities Debt Maturities Within One Year Amortized Cost
AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost
7443000
CY2020Q4 us-gaap Available For Sale Securities Debt Maturities Within One Year Fair Value
AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue
7532000
CY2021Q4 us-gaap Available For Sale Securities Debt Maturities After One Through Five Years Amortized Cost
AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost
158678000
CY2021Q4 us-gaap Available For Sale Securities Debt Maturities After One Through Five Years Fair Value
AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue
157799000
CY2020Q4 us-gaap Available For Sale Securities Debt Maturities After One Through Five Years Amortized Cost
AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost
31821000
CY2020Q4 us-gaap Available For Sale Securities Debt Maturities After One Through Five Years Fair Value
AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue
33227000
CY2021Q4 us-gaap Available For Sale Securities Debt Maturities After Five Through Ten Years Amortized Cost
AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost
70856000
CY2021Q4 us-gaap Available For Sale Securities Debt Maturities After Five Through Ten Years Fair Value
AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue
70959000
CY2020Q4 us-gaap Available For Sale Securities Debt Maturities After Five Through Ten Years Amortized Cost
AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost
21299000
CY2020Q4 us-gaap Available For Sale Securities Debt Maturities After Five Through Ten Years Fair Value
AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue
22021000
CY2021Q4 us-gaap Available For Sale Securities Debt Maturities After Ten Years Amortized Cost
AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost
75147000
CY2021Q4 us-gaap Available For Sale Securities Debt Maturities After Ten Years Fair Value
AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue
78761000
CY2020Q4 us-gaap Available For Sale Securities Debt Maturities After Ten Years Amortized Cost
AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost
75592000
CY2020Q4 us-gaap Available For Sale Securities Debt Maturities After Ten Years Fair Value
AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue
79897000
CY2021Q4 ck001641601 Available For Sale Debt Securities Amortized Cost Basis Before Residential Mortgage Backed Securities
AvailableForSaleDebtSecuritiesAmortizedCostBasisBeforeResidentialMortgageBackedSecurities
316254000
CY2021Q4 ck001641601 Available For Sale Securities Before Residential Mortgage Backed Securities
AvailableForSaleSecuritiesBeforeResidentialMortgageBackedSecurities
319201000
CY2020Q4 ck001641601 Available For Sale Debt Securities Amortized Cost Basis Before Residential Mortgage Backed Securities
AvailableForSaleDebtSecuritiesAmortizedCostBasisBeforeResidentialMortgageBackedSecurities
136155000
CY2020Q4 ck001641601 Available For Sale Securities Before Residential Mortgage Backed Securities
AvailableForSaleSecuritiesBeforeResidentialMortgageBackedSecurities
142677000
CY2021Q4 us-gaap Available For Sale Debt Securities Amortized Cost Basis
AvailableForSaleDebtSecuritiesAmortizedCostBasis
878363000
CY2021Q4 us-gaap Available For Sale Securities Debt Securities
AvailableForSaleSecuritiesDebtSecurities
876759000
CY2020Q4 us-gaap Available For Sale Debt Securities Amortized Cost Basis
AvailableForSaleDebtSecuritiesAmortizedCostBasis
482156000
CY2020Q4 us-gaap Available For Sale Securities Debt Securities
AvailableForSaleSecuritiesDebtSecurities
493274000
CY2021Q4 us-gaap Loans And Leases Receivable Gross Carrying Amount
LoansAndLeasesReceivableGrossCarryingAmount
1273039000
CY2021Q4 ck001641601 Percentage Of Loans And Leases Receivable Gross Carrying Amount
PercentageOfLoansAndLeasesReceivableGrossCarryingAmount
1.022
CY2020Q4 us-gaap Loans And Leases Receivable Gross Carrying Amount
LoansAndLeasesReceivableGrossCarryingAmount
1193386000
CY2020Q4 ck001641601 Percentage Of Loans And Leases Receivable Gross Carrying Amount
PercentageOfLoansAndLeasesReceivableGrossCarryingAmount
1.020
CY2021Q4 us-gaap Loans And Leases Receivable Allowance
LoansAndLeasesReceivableAllowance
20922000
CY2020Q4 us-gaap Loans And Leases Receivable Allowance
LoansAndLeasesReceivableAllowance
16803000
CY2020Q4 us-gaap Loans And Leases Receivable Allowance
LoansAndLeasesReceivableAllowance
16803000
CY2020Q4 us-gaap Financing Receivable Allowance For Credit Losses Individually Evaluated For Impairment1
FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1
343000
CY2020Q4 us-gaap Financing Receivable Allowance For Credit Losses Collectively Evaluated For Impairment
FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment
16460000
CY2021 us-gaap Provision For Loan And Lease Losses
ProvisionForLoanAndLeaseLosses
4744000
CY2021 us-gaap Allowance For Loan And Lease Losses Write Offs
AllowanceForLoanAndLeaseLossesWriteOffs
987000
CY2020Q4 us-gaap Financing Receivable Individually Evaluated For Impairment
FinancingReceivableIndividuallyEvaluatedForImpairment
5099000
CY2021 us-gaap Financing Receivable Modifications Number Of Contracts2
FinancingReceivableModificationsNumberOfContracts2
3
CY2021 us-gaap Financing Receivable Modifications Subsequent Default Recorded Investment1
FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1
148000
CY2020Q4 ck001641601 Loans And Leases Receivable Net Discounts
LoansAndLeasesReceivableNetDiscounts
1010000
CY2020Q4 ck001641601 Loans And Leases Receivable Net Discounts Percentage
LoansAndLeasesReceivableNetDiscountsPercentage
0.001
CY2021Q4 ck001641601 Loans And Leases Receivable Net Deferred Loan Fees
LoansAndLeasesReceivableNetDeferredLoanFees
5974000
CY2021Q4 ck001641601 Loans And Leases Receivable Net Deferred Loan Fees Percentage
LoansAndLeasesReceivableNetDeferredLoanFeesPercentage
-0.005
CY2020Q4 ck001641601 Loans And Leases Receivable Net Deferred Loan Fees
LoansAndLeasesReceivableNetDeferredLoanFees
5794000
CY2020Q4 ck001641601 Loans And Leases Receivable Net Deferred Loan Fees Percentage
LoansAndLeasesReceivableNetDeferredLoanFeesPercentage
-0.005
CY2021Q4 us-gaap Loans And Leases Receivable Net Reported Amount
LoansAndLeasesReceivableNetReportedAmount
1245743000
CY2021Q4 ck001641601 Percentage Of Loans And Leases Receivable Net Reported Amount
PercentageOfLoansAndLeasesReceivableNetReportedAmount
1.000
CY2020Q4 us-gaap Loans And Leases Receivable Net Reported Amount
LoansAndLeasesReceivableNetReportedAmount
1169779000
CY2020Q4 ck001641601 Percentage Of Loans And Leases Receivable Net Reported Amount
PercentageOfLoansAndLeasesReceivableNetReportedAmount
1.000
CY2021 ck001641601 Number Of Primary Loan Portfolio Segments
NumberOfPrimaryLoanPortfolioSegments
3
CY2021Q4 us-gaap Financing Receivable Individually Evaluated For Impairment
FinancingReceivableIndividuallyEvaluatedForImpairment
8158000
CY2021Q4 us-gaap Financing Receivable Collectively Evaluated For Impairment
FinancingReceivableCollectivelyEvaluatedForImpairment
1264729000
CY2021Q4 us-gaap Notes Receivable Net
NotesReceivableNet
152000
CY2021Q4 ck001641601 Loans And Leases Receivable As Percentage Of Aggregate Portfolio
LoansAndLeasesReceivableAsPercentageOfAggregatePortfolio
1.000
CY2019Q4 us-gaap Loans And Leases Receivable Allowance
LoansAndLeasesReceivableAllowance
8679000
CY2020 us-gaap Provision For Loan And Lease Losses
ProvisionForLoanAndLeaseLosses
8615000
CY2020 us-gaap Allowance For Loan And Lease Losses Write Offs
AllowanceForLoanAndLeaseLossesWriteOffs
817000
CY2020 us-gaap Allowance For Loan And Lease Loss Recovery Of Bad Debts
AllowanceForLoanAndLeaseLossRecoveryOfBadDebts
326000
CY2020Q4 us-gaap Financing Receivable Collectively Evaluated For Impairment
FinancingReceivableCollectivelyEvaluatedForImpairment
1186576000
CY2020Q4 us-gaap Notes Receivable Net
NotesReceivableNet
1711000
CY2020Q4 ck001641601 Loans And Leases Receivable As Percentage Of Aggregate Portfolio
LoansAndLeasesReceivableAsPercentageOfAggregatePortfolio
1.000
CY2021Q4 us-gaap Impaired Financing Receivable Related Allowance
ImpairedFinancingReceivableRelatedAllowance
424000
CY2020Q4 us-gaap Impaired Financing Receivable Unpaid Principal Balance
ImpairedFinancingReceivableUnpaidPrincipalBalance
5099000
CY2020Q4 us-gaap Impaired Financing Receivable Recorded Investment
ImpairedFinancingReceivableRecordedInvestment
5099000
CY2021 us-gaap Impaired Financing Receivable Interest Income Accrual Method
ImpairedFinancingReceivableInterestIncomeAccrualMethod
345000
CY2020 us-gaap Impaired Financing Receivable Average Recorded Investment
ImpairedFinancingReceivableAverageRecordedInvestment
4498000
CY2020 us-gaap Impaired Financing Receivable Interest Income Accrual Method
ImpairedFinancingReceivableInterestIncomeAccrualMethod
146000
CY2021Q4 us-gaap Financing Receivable Recorded Investment Nonaccrual Status
FinancingReceivableRecordedInvestmentNonaccrualStatus
2272000
CY2021Q4 us-gaap Loans And Leases Receivable Gross Carrying Amount
LoansAndLeasesReceivableGrossCarryingAmount
1273039000
CY2020Q4 us-gaap Financing Receivable Recorded Investment Nonaccrual Status
FinancingReceivableRecordedInvestmentNonaccrualStatus
4264000
CY2020Q4 us-gaap Loans And Leases Receivable Gross Carrying Amount
LoansAndLeasesReceivableGrossCarryingAmount
1193386000
CY2021Q4 us-gaap Loans And Leases Receivable Gross Carrying Amount
LoansAndLeasesReceivableGrossCarryingAmount
1273039000
CY2021Q4 ck001641601 Financing Receivable Modifications Recorded Investment Impaired
FinancingReceivableModificationsRecordedInvestmentImpaired
1700000
CY2020Q4 ck001641601 Financing Receivable Modifications Recorded Investment Impaired
FinancingReceivableModificationsRecordedInvestmentImpaired
4000000.0
CY2021Q4 us-gaap Deferred Tax Assets Tax Deferred Expense Reserves And Accruals Provision For Loan Losses
DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses
5325000
CY2020Q4 us-gaap Deferred Tax Assets Tax Deferred Expense Reserves And Accruals Provision For Loan Losses
DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses
4421000
CY2020 us-gaap Financing Receivable Modifications Number Of Contracts2
FinancingReceivableModificationsNumberOfContracts2
6
CY2020 us-gaap Financing Receivable Modifications Subsequent Default Recorded Investment1
FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1
581000
CY2021 ck001641601 Loans Transferred To Foreclosed Assets
LoansTransferredToForeclosedAssets
630000
CY2020 ck001641601 Loans Transferred To Foreclosed Assets
LoansTransferredToForeclosedAssets
547000
CY2021 ck001641601 Sale Of Foreclosed Assets
SaleOfForeclosedAssets
494000
CY2020 ck001641601 Sale Of Foreclosed Assets
SaleOfForeclosedAssets
1591000
CY2021 ck001641601 Write Down Of Foreclosed Assets
WriteDownOfForeclosedAssets
120000
CY2020 ck001641601 Write Down Of Foreclosed Assets
WriteDownOfForeclosedAssets
120000
CY2021Q4 us-gaap Foreclosed Assets
ForeclosedAssets
256000
CY2020Q4 us-gaap Foreclosed Assets
ForeclosedAssets
240000
CY2020Q4 us-gaap Deferred Tax Assets Gross
DeferredTaxAssetsGross
7192000
CY2021Q4 us-gaap Deferred Tax Assets Tax Deferred Expense Reserves And Accruals Accrued Liabilities
DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsAccruedLiabilities
827000
CY2021Q4 us-gaap Land And Land Improvements
LandAndLandImprovements
8456000
CY2020Q4 us-gaap Land And Land Improvements
LandAndLandImprovements
7541000
CY2021Q4 us-gaap Buildings And Improvements Gross
BuildingsAndImprovementsGross
30327000
CY2020Q4 us-gaap Buildings And Improvements Gross
BuildingsAndImprovementsGross
26667000
CY2021Q4 us-gaap Leasehold Improvements Gross
LeaseholdImprovementsGross
675000
CY2020Q4 us-gaap Leasehold Improvements Gross
LeaseholdImprovementsGross
695000
CY2021Q4 ck001641601 Furniture Equipment And Vehicle Gross
FurnitureEquipmentAndVehicleGross
7140000
CY2020Q4 ck001641601 Furniture Equipment And Vehicle Gross
FurnitureEquipmentAndVehicleGross
6104000
CY2021Q4 us-gaap Property Plant And Equipment Gross
PropertyPlantAndEquipmentGross
46598000
CY2020Q4 us-gaap Property Plant And Equipment Gross
PropertyPlantAndEquipmentGross
41007000
CY2021Q4 us-gaap Accumulated Depreciation Depletion And Amortization Property Plant And Equipment
AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment
9896000
CY2020Q4 us-gaap Accumulated Depreciation Depletion And Amortization Property Plant And Equipment
AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment
8506000
CY2021Q4 us-gaap Property Plant And Equipment Net
PropertyPlantAndEquipmentNet
36702000
CY2020Q4 us-gaap Property Plant And Equipment Net
PropertyPlantAndEquipmentNet
32501000
CY2021 us-gaap Depreciation
Depreciation
1500000
CY2020 us-gaap Depreciation
Depreciation
1500000
CY2020Q4 us-gaap Foreclosed Assets
ForeclosedAssets
240000
CY2019Q4 us-gaap Foreclosed Assets
ForeclosedAssets
1404000
CY2020Q4 us-gaap Deferred Tax Assets Tax Deferred Expense Reserves And Accruals Accrued Liabilities
DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsAccruedLiabilities
480000
CY2021Q4 us-gaap Deferred Tax Assets Tax Deferred Expense Compensation And Benefits
DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefits
781000
CY2020Q4 us-gaap Deferred Tax Assets Tax Deferred Expense Compensation And Benefits
DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefits
727000
CY2021Q4 ck001641601 Deferred Tax Assets Unrealized Gains Losses On Investment Securities Available For Sale
DeferredTaxAssetsUnrealizedGainsLossesOnInvestmentSecuritiesAvailableForSale
410000
CY2021Q4 us-gaap Deferred Tax Assets Other
DeferredTaxAssetsOther
1477000
CY2020Q4 us-gaap Time Deposits100000 Or More
TimeDeposits100000OrMore
193600000
CY2021Q4 ck001641601 Deposits In Excess Of Insurance Limit
DepositsInExcessOfInsuranceLimit
221200000
CY2020Q4 ck001641601 Deposits In Excess Of Insurance Limit
DepositsInExcessOfInsuranceLimit
149900000
CY2021Q4 us-gaap Securities Sold Under Agreements To Repurchase
SecuritiesSoldUnderAgreementsToRepurchase
9800000
CY2021 ck001641601 Net Gain Loss On Sales Of Foreclosed Assets
NetGainLossOnSalesOfForeclosedAssets
267000
CY2020 ck001641601 Net Gain Loss On Sales Of Foreclosed Assets
NetGainLossOnSalesOfForeclosedAssets
-29000
CY2021 ck001641601 Write Down Of Foreclosed Assets
WriteDownOfForeclosedAssets
120000
CY2020 ck001641601 Write Down Of Foreclosed Assets
WriteDownOfForeclosedAssets
120000
CY2021 ck001641601 Operating Expenses Net Of Rental Income
OperatingExpensesNetOfRentalIncome
75000
CY2020 ck001641601 Operating Expenses Net Of Rental Income
OperatingExpensesNetOfRentalIncome
85000
CY2021 ck001641601 Foreclosed Asset Expense
ForeclosedAssetExpense
-72000
CY2020 ck001641601 Foreclosed Asset Expense
ForeclosedAssetExpense
234000
CY2021Q4 us-gaap Noninterest Bearing Deposit Liabilities
NoninterestBearingDepositLiabilities
610002000
CY2020Q4 us-gaap Noninterest Bearing Deposit Liabilities
NoninterestBearingDepositLiabilities
436885000
CY2021Q4 us-gaap Interest Bearing Domestic Deposit Demand
InterestBearingDomesticDepositDemand
519547000
CY2020Q4 us-gaap Interest Bearing Domestic Deposit Demand
InterestBearingDomesticDepositDemand
377745000
CY2021Q4 us-gaap Deposits Money Market Deposits
DepositsMoneyMarketDeposits
623763000
CY2020Q4 us-gaap Deposits Money Market Deposits
DepositsMoneyMarketDeposits
473714000
CY2021Q4 us-gaap Deposits Savings Deposits
DepositsSavingsDeposits
117767000
CY2020Q4 us-gaap Deposits Savings Deposits
DepositsSavingsDeposits
89914000
CY2021Q4 ck001641601 Other Time Deposits
OtherTimeDeposits
173827000
CY2020Q4 ck001641601 Other Time Deposits
OtherTimeDeposits
178538000
CY2021Q4 us-gaap Deposits
Deposits
2151177000
CY2020Q4 us-gaap Deposits
Deposits
1653635000
CY2020Q4 us-gaap Securities Sold Under Agreements To Repurchase
SecuritiesSoldUnderAgreementsToRepurchase
13700000
CY2021Q4 us-gaap Securities Loaned Or Sold Under Agreements To Repurchase Fair Value Disclosure
SecuritiesLoanedOrSoldUnderAgreementsToRepurchaseFairValueDisclosure
17900000
CY2020Q4 us-gaap Securities Loaned Or Sold Under Agreements To Repurchase Fair Value Disclosure
SecuritiesLoanedOrSoldUnderAgreementsToRepurchaseFairValueDisclosure
15200000
CY2021 ck001641601 Repurchase Agreement Weighted Average Interest Rate
RepurchaseAgreementWeightedAverageInterestRate
0.0010
CY2021Q4 us-gaap Federal Home Loan Bank Advances General Debt Obligations Disclosures Collateral Pledged1
FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresCollateralPledged1
468400000
CY2020 ck001641601 Repurchase Agreement Weighted Average Interest Rate
RepurchaseAgreementWeightedAverageInterestRate
0.0017
CY2020Q4 us-gaap Federal Home Loan Bank Advances
FederalHomeLoanBankAdvances
0
CY2020Q4 us-gaap Federal Home Loan Bank Advances General Debt Obligations Disclosures Collateral Pledged1
FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresCollateralPledged1
396900000
CY2021Q4 us-gaap Federal Home Loan Bank Advances
FederalHomeLoanBankAdvances
0
CY2021Q4 ck001641601 Federal Home Loan Bank Advances General Debt Obligations Disclosures Amount Of Unfunded Standby Letters Of Credit
FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresAmountOfUnfundedStandbyLettersOfCredit
0
CY2020Q4 ck001641601 Federal Home Loan Bank Advances General Debt Obligations Disclosures Amount Of Unfunded Standby Letters Of Credit
FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresAmountOfUnfundedStandbyLettersOfCredit
1200000
CY2021Q4 ck001641601 Federal Home Loan Bank Additional Borrowing Capacity
FederalHomeLoanBankAdditionalBorrowingCapacity
257100000
CY2020Q4 ck001641601 Federal Home Loan Bank Additional Borrowing Capacity
FederalHomeLoanBankAdditionalBorrowingCapacity
214400000
CY2020Q4 us-gaap Deferred Tax Assets Other
DeferredTaxAssetsOther
1564000
CY2021 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
7163000
CY2020 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
4595000
CY2021Q4 ck001641601 Available Lines Of Credit For Overnight Federal Funds Borrowings
AvailableLinesOfCreditForOvernightFederalFundsBorrowings
48500000
CY2020Q4 ck001641601 Available Lines Of Credit For Overnight Federal Funds Borrowings
AvailableLinesOfCreditForOvernightFederalFundsBorrowings
38500000
CY2021Q4 us-gaap Federal Funds Purchased
FederalFundsPurchased
0
CY2020Q4 us-gaap Federal Funds Purchased
FederalFundsPurchased
0
CY2021 us-gaap Current Income Tax Expense Benefit
CurrentIncomeTaxExpenseBenefit
8595000
CY2020 us-gaap Current Income Tax Expense Benefit
CurrentIncomeTaxExpenseBenefit
7622000
CY2021 us-gaap Deferred Income Tax Expense Benefit
DeferredIncomeTaxExpenseBenefit
-1432000
CY2020 us-gaap Deferred Income Tax Expense Benefit
DeferredIncomeTaxExpenseBenefit
-3027000
CY2021 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
7163000
CY2020 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
4595000
CY2021 us-gaap Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest
IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest
32199000
CY2020 us-gaap Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest
IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest
21685000
CY2021 us-gaap Effective Income Tax Rate Reconciliation At Federal Statutory Income Tax Rate
EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate
0.21
CY2020 us-gaap Effective Income Tax Rate Reconciliation At Federal Statutory Income Tax Rate
EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate
0.21
CY2021 us-gaap Income Tax Reconciliation Income Tax Expense Benefit At Federal Statutory Income Tax Rate
IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate
6762000
CY2020 us-gaap Income Tax Reconciliation Income Tax Expense Benefit At Federal Statutory Income Tax Rate
IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate
4554000
CY2021 ck001641601 Income Tax Reconciliation Federal Income Tax Benefit Of State Income Taxes
IncomeTaxReconciliationFederalIncomeTaxBenefitOfStateIncomeTaxes
-313000
CY2020 ck001641601 Income Tax Reconciliation Federal Income Tax Benefit Of State Income Taxes
IncomeTaxReconciliationFederalIncomeTaxBenefitOfStateIncomeTaxes
-217000
CY2021 us-gaap Income Tax Reconciliation Tax Exempt Income
IncomeTaxReconciliationTaxExemptIncome
153000
CY2020 us-gaap Income Tax Reconciliation Tax Exempt Income
IncomeTaxReconciliationTaxExemptIncome
158000
CY2021 us-gaap Income Tax Reconciliation Tax Credits Investment
IncomeTaxReconciliationTaxCreditsInvestment
451000
CY2020 us-gaap Income Tax Reconciliation Tax Credits Investment
IncomeTaxReconciliationTaxCreditsInvestment
408000
CY2021 ck001641601 Income Tax Reconciliation Tax Exempt Income From Bank Owned Life Insurance Amount
IncomeTaxReconciliationTaxExemptIncomeFromBankOwnedLifeInsuranceAmount
241000
CY2020 ck001641601 Income Tax Reconciliation Tax Exempt Income From Bank Owned Life Insurance Amount
IncomeTaxReconciliationTaxExemptIncomeFromBankOwnedLifeInsuranceAmount
167000
CY2021 us-gaap Income Tax Reconciliation Nondeductible Expense
IncomeTaxReconciliationNondeductibleExpense
148000
CY2020 us-gaap Income Tax Reconciliation Nondeductible Expense
IncomeTaxReconciliationNondeductibleExpense
111000
CY2021 us-gaap Income Tax Reconciliation Tax Credits
IncomeTaxReconciliationTaxCredits
533000
CY2020 us-gaap Income Tax Reconciliation Tax Credits
IncomeTaxReconciliationTaxCredits
272000
CY2021 us-gaap Income Tax Reconciliation State And Local Income Taxes
IncomeTaxReconciliationStateAndLocalIncomeTaxes
1475000
CY2020 us-gaap Income Tax Reconciliation State And Local Income Taxes
IncomeTaxReconciliationStateAndLocalIncomeTaxes
1023000
CY2021 us-gaap Income Tax Reconciliation Other Adjustments
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