401k Plan data: RIVER BANK AND TRUST 401(K) EMPLOYEE STOCK OWNERSHIP PLAN plan

RIVER BANK AND TRUST 401(K) EMPLOYEE STOCK OWNERSHIP PLAN 401k Plan overview

Plan Name	RIVER BANK AND TRUST 401(K) EMPLOYEE STOCK OWNERSHIP PLAN
Plan identification number	001

RIVER BANK AND TRUST 401(K) EMPLOYEE STOCK OWNERSHIP PLAN Benefits

401k Plan Type

Defined Contribution Pension

Plan Features/Benefits

Profit-sharing
Total participant-directed account plan - Participants have the opportunity to direct the investment of all the assets allocated to their individual accounts, regardless of whether 29 CFR 2550.404c-1 is intended to be met.
Code section 401(k) feature - A cash or deferred arrangement described in Code section 401(k) that is part of a qualified defined contribution plan that provides for an election by employees to defer part of their compensation or receive these amounts in cash.
Code section 401(m) arrangement - Employee contributions are allocated to separate accounts under the plan or employer contributions are based, in whole or in part, on employee deferrals or contribtions to the plan. Not applicable if plan is 401(k) plan with only QNECs and/or QMACs. Also not applicable if Code section 403(b)(1), 403(b)(7) or 408 arrangements/accounts/annuities.
ESOP other than a leveraged ESOP - A completed Schedule E must be attached to a Form 5500 filed for an Employee Stock Ownership Plan (ESOP).
Total or partial participant-directed account plan - plan uses default investment account for participants who fail to direct assets in their account.
Master plan - A pension plan that is made available by a sponsor for adoption by employers; that is the subject of a favorable opinion letter; and for which a single funding medium (for example, a trust or custodial account) is established for the joint use of all adopting employers.
Plan requiring that all or part of employer contributions be invested and held, at least for a limited period, in employer securities.

401k Sponsoring company profile

RIVER BANK AND TRUST has sponsored the creation of one or more 401k plans.

Company Name: RIVER BANK AND TRUST

Employer identification number (EIN): 204303726

NAIC Classification: 522110
NAIC Description: Commercial Banking

Form 5500 Filing Information

Submission information for form 5500 for 401k plan RIVER BANK AND TRUST 401(K) EMPLOYEE STOCK OWNERSHIP PLAN

Plan id# Filing Submission Date Name of Administrator Date Administrator Signed Name of Company Sponsor Date Sponsor Signed
001 2022-01-01
001 2021-01-01
001 2020-01-01 JASON DAVIS 2021-10-13 JAMES M. STUBBS 2021-10-13
001 2019-01-01 KENNETH H. GIVENS 2020-10-15
001 2018-01-01 KENNETH H. GIVENS 2019-09-27
001 2017-01-01
001 2016-01-01
001 2015-01-01
001 2014-01-01 JAMES M. STUBBS
001 2013-01-01 JAMES M. STUBBS 2014-07-30
001 2012-01-01 JAMES M. STUBBS 2013-05-22 JAMES M STUBBS 2013-05-22
001 2011-01-01 JAMES M. STUBBS 2012-05-25
001 2010-01-01 JAMES M STUBBS 2011-05-23 JAMES M STUBBS 2011-05-23

Plan id#	Filing Submission Date	Name of Administrator	Date Administrator Signed	Name of Company Sponsor	Date Sponsor Signed
001	2022-01-01
001	2021-01-01
001	2020-01-01	JASON DAVIS	2021-10-13	JAMES M. STUBBS	2021-10-13
001	2019-01-01	KENNETH H. GIVENS	2020-10-15
001	2018-01-01	KENNETH H. GIVENS	2019-09-27
001	2017-01-01
001	2016-01-01
001	2015-01-01
001	2014-01-01	JAMES M. STUBBS
001	2013-01-01	JAMES M. STUBBS	2014-07-30
001	2012-01-01	JAMES M. STUBBS	2013-05-22	JAMES M STUBBS	2013-05-22
001	2011-01-01	JAMES M. STUBBS	2012-05-25
001	2010-01-01	JAMES M STUBBS	2011-05-23	JAMES M STUBBS	2011-05-23

Plan Statistics for RIVER BANK AND TRUST 401(K) EMPLOYEE STOCK OWNERSHIP PLAN

401k plan membership statisitcs for RIVER BANK AND TRUST 401(K) EMPLOYEE STOCK OWNERSHIP PLAN

Measure Date Value
2022: RIVER BANK AND TRUST 401(K) EMPLOYEE STOCK OWNERSHIP PLAN 2022 401k membership
Total participants, beginning-of-year 2022-01-01 297
Total number of active participants reported on line 7a of the Form 5500 2022-01-01 266
Number of retired or separated participants receiving benefits 2022-01-01 4
Number of other retired or separated participants entitled to future benefits 2022-01-01 64
Total of all active and inactive participants 2022-01-01 334
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2022-01-01 0
Total participants 2022-01-01 334
Number of participants with account balances 2022-01-01 295
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2022-01-01 0
2021: RIVER BANK AND TRUST 401(K) EMPLOYEE STOCK OWNERSHIP PLAN 2021 401k membership
Total participants, beginning-of-year 2021-01-01 366
Total number of active participants reported on line 7a of the Form 5500 2021-01-01 234
Number of retired or separated participants receiving benefits 2021-01-01 6
Number of other retired or separated participants entitled to future benefits 2021-01-01 56
Total of all active and inactive participants 2021-01-01 296
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2021-01-01 0
Total participants 2021-01-01 296
Number of participants with account balances 2021-01-01 269
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2021-01-01 0
2020: RIVER BANK AND TRUST 401(K) EMPLOYEE STOCK OWNERSHIP PLAN 2020 401k membership
Total participants, beginning-of-year 2020-01-01 247
Total number of active participants reported on line 7a of the Form 5500 2020-01-01 198
Number of retired or separated participants receiving benefits 2020-01-01 15
Number of other retired or separated participants entitled to future benefits 2020-01-01 29
Total of all active and inactive participants 2020-01-01 242
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2020-01-01 0
Total participants 2020-01-01 242
Number of participants with account balances 2020-01-01 220
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2020-01-01 0
2019: RIVER BANK AND TRUST 401(K) EMPLOYEE STOCK OWNERSHIP PLAN 2019 401k membership
Total participants, beginning-of-year 2019-01-01 234
Total number of active participants reported on line 7a of the Form 5500 2019-01-01 223
Number of retired or separated participants receiving benefits 2019-01-01 10
Number of other retired or separated participants entitled to future benefits 2019-01-01 14
Total of all active and inactive participants 2019-01-01 247
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2019-01-01 0
Total participants 2019-01-01 247
Number of participants with account balances 2019-01-01 220
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2019-01-01 0
2018: RIVER BANK AND TRUST 401(K) EMPLOYEE STOCK OWNERSHIP PLAN 2018 401k membership
Total participants, beginning-of-year 2018-01-01 160
Total number of active participants reported on line 7a of the Form 5500 2018-01-01 177
Number of retired or separated participants receiving benefits 2018-01-01 10
Number of other retired or separated participants entitled to future benefits 2018-01-01 18
Total of all active and inactive participants 2018-01-01 205
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2018-01-01 0
Total participants 2018-01-01 205
Number of participants with account balances 2018-01-01 184
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2018-01-01 0
2017: RIVER BANK AND TRUST 401(K) EMPLOYEE STOCK OWNERSHIP PLAN 2017 401k membership
Total participants, beginning-of-year 2017-01-01 147
Total number of active participants reported on line 7a of the Form 5500 2017-01-01 134
Number of retired or separated participants receiving benefits 2017-01-01 5
Number of other retired or separated participants entitled to future benefits 2017-01-01 13
Total of all active and inactive participants 2017-01-01 152
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2017-01-01 2
Total participants 2017-01-01 154
Number of participants with account balances 2017-01-01 142
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2017-01-01 0
2016: RIVER BANK AND TRUST 401(K) EMPLOYEE STOCK OWNERSHIP PLAN 2016 401k membership
Total participants, beginning-of-year 2016-01-01 122
Total number of active participants reported on line 7a of the Form 5500 2016-01-01 126
Number of retired or separated participants receiving benefits 2016-01-01 4
Number of other retired or separated participants entitled to future benefits 2016-01-01 12
Total of all active and inactive participants 2016-01-01 142
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2016-01-01 0
Total participants 2016-01-01 142
Number of participants with account balances 2016-01-01 126
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2016-01-01 0
2015: RIVER BANK AND TRUST 401(K) EMPLOYEE STOCK OWNERSHIP PLAN 2015 401k membership
Total participants, beginning-of-year 2015-01-01 78
Total number of active participants reported on line 7a of the Form 5500 2015-01-01 81
Number of retired or separated participants receiving benefits 2015-01-01 0
Number of other retired or separated participants entitled to future benefits 2015-01-01 0
Total of all active and inactive participants 2015-01-01 81
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2015-01-01 0
Total participants 2015-01-01 81
Number of participants with account balances 2015-01-01 68
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2015-01-01 0
2014: RIVER BANK AND TRUST 401(K) EMPLOYEE STOCK OWNERSHIP PLAN 2014 401k membership
Total participants, beginning-of-year 2014-01-01 78
Total number of active participants reported on line 7a of the Form 5500 2014-01-01 77
Number of retired or separated participants receiving benefits 2014-01-01 0
Number of other retired or separated participants entitled to future benefits 2014-01-01 0
Total of all active and inactive participants 2014-01-01 77
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2014-01-01 0
Total participants 2014-01-01 77
Number of participants with account balances 2014-01-01 63
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2014-01-01 0

Measure	Date	Value
2022: RIVER BANK AND TRUST 401(K) EMPLOYEE STOCK OWNERSHIP PLAN 2022 401k membership
Total participants, beginning-of-year	2022-01-01	297
Total number of active participants reported on line 7a of the Form 5500	2022-01-01	266
Number of retired or separated participants receiving benefits	2022-01-01	4
Number of other retired or separated participants entitled to future benefits	2022-01-01	64
Total of all active and inactive participants	2022-01-01	334
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2022-01-01	0
Total participants	2022-01-01	334
Number of participants with account balances	2022-01-01	295
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2022-01-01	0
2021: RIVER BANK AND TRUST 401(K) EMPLOYEE STOCK OWNERSHIP PLAN 2021 401k membership
Total participants, beginning-of-year	2021-01-01	366
Total number of active participants reported on line 7a of the Form 5500	2021-01-01	234
Number of retired or separated participants receiving benefits	2021-01-01	6
Number of other retired or separated participants entitled to future benefits	2021-01-01	56
Total of all active and inactive participants	2021-01-01	296
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2021-01-01	0
Total participants	2021-01-01	296
Number of participants with account balances	2021-01-01	269
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2021-01-01	0
2020: RIVER BANK AND TRUST 401(K) EMPLOYEE STOCK OWNERSHIP PLAN 2020 401k membership
Total participants, beginning-of-year	2020-01-01	247
Total number of active participants reported on line 7a of the Form 5500	2020-01-01	198
Number of retired or separated participants receiving benefits	2020-01-01	15
Number of other retired or separated participants entitled to future benefits	2020-01-01	29
Total of all active and inactive participants	2020-01-01	242
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2020-01-01	0
Total participants	2020-01-01	242
Number of participants with account balances	2020-01-01	220
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2020-01-01	0
2019: RIVER BANK AND TRUST 401(K) EMPLOYEE STOCK OWNERSHIP PLAN 2019 401k membership
Total participants, beginning-of-year	2019-01-01	234
Total number of active participants reported on line 7a of the Form 5500	2019-01-01	223
Number of retired or separated participants receiving benefits	2019-01-01	10
Number of other retired or separated participants entitled to future benefits	2019-01-01	14
Total of all active and inactive participants	2019-01-01	247
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2019-01-01	0
Total participants	2019-01-01	247
Number of participants with account balances	2019-01-01	220
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2019-01-01	0
2018: RIVER BANK AND TRUST 401(K) EMPLOYEE STOCK OWNERSHIP PLAN 2018 401k membership
Total participants, beginning-of-year	2018-01-01	160
Total number of active participants reported on line 7a of the Form 5500	2018-01-01	177
Number of retired or separated participants receiving benefits	2018-01-01	10
Number of other retired or separated participants entitled to future benefits	2018-01-01	18
Total of all active and inactive participants	2018-01-01	205
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2018-01-01	0
Total participants	2018-01-01	205
Number of participants with account balances	2018-01-01	184
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2018-01-01	0
2017: RIVER BANK AND TRUST 401(K) EMPLOYEE STOCK OWNERSHIP PLAN 2017 401k membership
Total participants, beginning-of-year	2017-01-01	147
Total number of active participants reported on line 7a of the Form 5500	2017-01-01	134
Number of retired or separated participants receiving benefits	2017-01-01	5
Number of other retired or separated participants entitled to future benefits	2017-01-01	13
Total of all active and inactive participants	2017-01-01	152
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2017-01-01	2
Total participants	2017-01-01	154
Number of participants with account balances	2017-01-01	142
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2017-01-01	0
2016: RIVER BANK AND TRUST 401(K) EMPLOYEE STOCK OWNERSHIP PLAN 2016 401k membership
Total participants, beginning-of-year	2016-01-01	122
Total number of active participants reported on line 7a of the Form 5500	2016-01-01	126
Number of retired or separated participants receiving benefits	2016-01-01	4
Number of other retired or separated participants entitled to future benefits	2016-01-01	12
Total of all active and inactive participants	2016-01-01	142
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2016-01-01	0
Total participants	2016-01-01	142
Number of participants with account balances	2016-01-01	126
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2016-01-01	0
2015: RIVER BANK AND TRUST 401(K) EMPLOYEE STOCK OWNERSHIP PLAN 2015 401k membership
Total participants, beginning-of-year	2015-01-01	78
Total number of active participants reported on line 7a of the Form 5500	2015-01-01	81
Number of retired or separated participants receiving benefits	2015-01-01	0
Number of other retired or separated participants entitled to future benefits	2015-01-01	0
Total of all active and inactive participants	2015-01-01	81
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2015-01-01	0
Total participants	2015-01-01	81
Number of participants with account balances	2015-01-01	68
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2015-01-01	0
2014: RIVER BANK AND TRUST 401(K) EMPLOYEE STOCK OWNERSHIP PLAN 2014 401k membership
Total participants, beginning-of-year	2014-01-01	78
Total number of active participants reported on line 7a of the Form 5500	2014-01-01	77
Number of retired or separated participants receiving benefits	2014-01-01	0
Number of other retired or separated participants entitled to future benefits	2014-01-01	0
Total of all active and inactive participants	2014-01-01	77
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2014-01-01	0
Total participants	2014-01-01	77
Number of participants with account balances	2014-01-01	63
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2014-01-01	0

Financial Data on RIVER BANK AND TRUST 401(K) EMPLOYEE STOCK OWNERSHIP PLAN

Measure	Date	Value
2022 : RIVER BANK AND TRUST 401(K) EMPLOYEE STOCK OWNERSHIP PLAN 2022 401k financial data
Unrealized appreciation/depreciation of other (non real estate) assets	2022-12-31	$323,071
Total unrealized appreciation/depreciation of assets	2022-12-31	$323,071
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2022-12-31	$44,541
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2022-12-31	$284
Total income from all sources (including contributions)	2022-12-31	$696,381
Total loss/gain on sale of assets	2022-12-31	$0
Total of all expenses incurred	2022-12-31	$504,003
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2022-12-31	$478,777
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2022-12-31	$2,454,035
Value of total assets at end of year	2022-12-31	$17,357,800
Value of total assets at beginning of year	2022-12-31	$17,121,165
Total of administrative expenses incurred including professional, contract, advisory and management fees	2022-12-31	$25,226
Total interest from all sources	2022-12-31	$1,361
Total dividends received (eg from common stock, registered investment company shares)	2022-12-31	$57,266
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2022-12-31	No
Was this plan covered by a fidelity bond	2022-12-31	Yes
Value of fidelity bond cover	2022-12-31	$6,000,000
If this is an individual account plan, was there a blackout period	2022-12-31	No
Were there any nonexempt tranactions with any party-in-interest	2022-12-31	No
Contributions received from participants	2022-12-31	$1,212,067
Income. Received or receivable in cash from other sources (including rollovers)	2022-12-31	$542,180
Value of other receiveables (less allowance for doubtful accounts) at end of year	2022-12-31	$1,013
Value of other receiveables (less allowance for doubtful accounts) at beginning of year	2022-12-31	$36,532
Administrative expenses (other) incurred	2022-12-31	$25,226
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2022-12-31	No
Value of net income/loss	2022-12-31	$192,378
Value of net assets at end of year (total assets less liabilities)	2022-12-31	$17,313,259
Value of net assets at beginning of year (total assets less liabilities)	2022-12-31	$17,120,881
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2022-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2022-12-31	No
Were any leases to which the plan was party in default or uncollectible	2022-12-31	No
Value of interest in pooled separate accounts at end of year	2022-12-31	$11,350,698
Value of interest in pooled separate accounts at beginning of year	2022-12-31	$12,329,882
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2022-12-31	$46,007
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2022-12-31	$7,942
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2022-12-31	$7,942
Interest earned from interest bearing cash (including money market accounts and certificates of deposit)	2022-12-31	$1,361
Net investment gain or loss from common/collective trusts	2022-12-31	$-2,139,352
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2022-12-31	No
Was there a failure to transmit to the plan any participant contributions	2022-12-31	No
Has the plan failed to provide any benefit when due under the plan	2022-12-31	No
Assets. Invements in employer securities at end of year	2022-12-31	$5,928,635
Assets. Invements in employer securities at beginning of year	2022-12-31	$4,717,901
Contributions received in cash from employer	2022-12-31	$699,788
Employer contributions (assets) at end of year	2022-12-31	$31,447
Employer contributions (assets) at beginning of year	2022-12-31	$28,908
Income. Dividends from common stock	2022-12-31	$57,266
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2022-12-31	$478,777
Liabilities. Value of benefit claims payable at end of year	2022-12-31	$44,541
Liabilities. Value of benefit claims payable at beginning of year	2022-12-31	$284
Did the plan have assets held for investment	2022-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2022-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2022-12-31	No
Opinion of an independent qualified public accountant for this plan	2022-12-31	Unqualified
Accountancy firm name	2022-12-31	WARREN AVERETT, LLC
Accountancy firm EIN	2022-12-31	454084437
2021 : RIVER BANK AND TRUST 401(K) EMPLOYEE STOCK OWNERSHIP PLAN 2021 401k financial data
Unrealized appreciation/depreciation of other (non real estate) assets	2021-12-31	$926,303
Total unrealized appreciation/depreciation of assets	2021-12-31	$926,303
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2021-12-31	$284
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2021-12-31	$498
Total income from all sources (including contributions)	2021-12-31	$4,246,737
Total loss/gain on sale of assets	2021-12-31	$0
Total of all expenses incurred	2021-12-31	$338,352
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2021-12-31	$331,909
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2021-12-31	$1,884,358
Value of total assets at end of year	2021-12-31	$17,121,165
Value of total assets at beginning of year	2021-12-31	$13,212,994
Total of administrative expenses incurred including professional, contract, advisory and management fees	2021-12-31	$6,443
Total interest from all sources	2021-12-31	$915
Total dividends received (eg from common stock, registered investment company shares)	2021-12-31	$42,391
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2021-12-31	No
Was this plan covered by a fidelity bond	2021-12-31	Yes
Value of fidelity bond cover	2021-12-31	$6,000,000
If this is an individual account plan, was there a blackout period	2021-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2021-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2021-12-31	No
Contributions received from participants	2021-12-31	$987,581
Income. Received or receivable in cash from other sources (including rollovers)	2021-12-31	$277,036
Value of other receiveables (less allowance for doubtful accounts) at end of year	2021-12-31	$36,532
Value of other receiveables (less allowance for doubtful accounts) at beginning of year	2021-12-31	$29,394
Administrative expenses (other) incurred	2021-12-31	$6,443
Liabilities. Value of operating payables at end of year	2021-12-31	$0
Liabilities. Value of operating payables at beginning of year	2021-12-31	$498
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2021-12-31	No
Value of net income/loss	2021-12-31	$3,908,385
Value of net assets at end of year (total assets less liabilities)	2021-12-31	$17,120,881
Value of net assets at beginning of year (total assets less liabilities)	2021-12-31	$13,212,496
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2021-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2021-12-31	No
Were any leases to which the plan was party in default or uncollectible	2021-12-31	No
Value of interest in pooled separate accounts at end of year	2021-12-31	$12,329,882
Value of interest in pooled separate accounts at beginning of year	2021-12-31	$10,123,962
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2021-12-31	$7,942
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2021-12-31	$643,474
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2021-12-31	$643,474
Interest earned from interest bearing cash (including money market accounts and certificates of deposit)	2021-12-31	$915
Net investment gain or loss from common/collective trusts	2021-12-31	$1,392,770
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2021-12-31	No
Was there a failure to transmit to the plan any participant contributions	2021-12-31	No
Has the plan failed to provide any benefit when due under the plan	2021-12-31	No
Assets. Invements in employer securities at end of year	2021-12-31	$4,717,901
Assets. Invements in employer securities at beginning of year	2021-12-31	$2,416,164
Contributions received in cash from employer	2021-12-31	$619,741
Employer contributions (assets) at end of year	2021-12-31	$28,908
Employer contributions (assets) at beginning of year	2021-12-31	$0
Income. Dividends from common stock	2021-12-31	$42,391
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2021-12-31	$331,909
Liabilities. Value of benefit claims payable at end of year	2021-12-31	$284
Liabilities. Value of benefit claims payable at beginning of year	2021-12-31	$0
Did the plan have assets held for investment	2021-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2021-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2021-12-31	No
Opinion of an independent qualified public accountant for this plan	2021-12-31	Unqualified
Accountancy firm name	2021-12-31	WARREN AVERETT, LLC
Accountancy firm EIN	2021-12-31	454084437
2020 : RIVER BANK AND TRUST 401(K) EMPLOYEE STOCK OWNERSHIP PLAN 2020 401k financial data
Unrealized appreciation/depreciation of other (non real estate) assets	2020-12-31	$104,145
Total unrealized appreciation/depreciation of assets	2020-12-31	$104,145
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2020-12-31	$498
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2020-12-31	$37
Total income from all sources (including contributions)	2020-12-31	$3,191,530
Total loss/gain on sale of assets	2020-12-31	$0
Total of all expenses incurred	2020-12-31	$414,506
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2020-12-31	$409,028
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2020-12-31	$1,658,270
Value of total assets at end of year	2020-12-31	$13,212,994
Value of total assets at beginning of year	2020-12-31	$10,435,509
Total of administrative expenses incurred including professional, contract, advisory and management fees	2020-12-31	$5,478
Total interest from all sources	2020-12-31	$1,772
Total dividends received (eg from common stock, registered investment company shares)	2020-12-31	$31,812
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2020-12-31	No
Administrative expenses professional fees incurred	2020-12-31	$5,478
Was this plan covered by a fidelity bond	2020-12-31	Yes
Value of fidelity bond cover	2020-12-31	$6,000,000
If this is an individual account plan, was there a blackout period	2020-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2020-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2020-12-31	No
Contributions received from participants	2020-12-31	$881,789
Income. Received or receivable in cash from other sources (including rollovers)	2020-12-31	$252,213
Value of other receiveables (less allowance for doubtful accounts) at end of year	2020-12-31	$29,394
Value of other receiveables (less allowance for doubtful accounts) at beginning of year	2020-12-31	$0
Liabilities. Value of operating payables at end of year	2020-12-31	$498
Liabilities. Value of operating payables at beginning of year	2020-12-31	$37
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2020-12-31	No
Value of net income/loss	2020-12-31	$2,777,024
Value of net assets at end of year (total assets less liabilities)	2020-12-31	$13,212,496
Value of net assets at beginning of year (total assets less liabilities)	2020-12-31	$10,435,472
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2020-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2020-12-31	No
Were any leases to which the plan was party in default or uncollectible	2020-12-31	No
Value of interest in pooled separate accounts at end of year	2020-12-31	$10,123,962
Value of interest in pooled separate accounts at beginning of year	2020-12-31	$7,982,334
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2020-12-31	$643,474
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2020-12-31	$1,019
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2020-12-31	$1,019
Interest earned from interest bearing cash (including money market accounts and certificates of deposit)	2020-12-31	$1,772
Net investment gain or loss from common/collective trusts	2020-12-31	$1,395,531
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2020-12-31	No
Was there a failure to transmit to the plan any participant contributions	2020-12-31	No
Has the plan failed to provide any benefit when due under the plan	2020-12-31	No
Assets. Invements in employer securities at end of year	2020-12-31	$2,416,164
Assets. Invements in employer securities at beginning of year	2020-12-31	$2,452,156
Contributions received in cash from employer	2020-12-31	$524,268
Income. Dividends from common stock	2020-12-31	$31,812
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2020-12-31	$409,028
Did the plan have assets held for investment	2020-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2020-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2020-12-31	No
Opinion of an independent qualified public accountant for this plan	2020-12-31	Disclaimer
Accountancy firm name	2020-12-31	WARREN AVERETT, LLC
Accountancy firm EIN	2020-12-31	454084437
2019 : RIVER BANK AND TRUST 401(K) EMPLOYEE STOCK OWNERSHIP PLAN 2019 401k financial data
Unrealized appreciation/depreciation of other (non real estate) assets	2019-12-31	$315,563
Unrealized appreciation/depreciation of other (non real estate) assets	2019-12-31	$315,563
Total unrealized appreciation/depreciation of assets	2019-12-31	$315,563
Total unrealized appreciation/depreciation of assets	2019-12-31	$315,563
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2019-12-31	$37
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2019-12-31	$37
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2019-12-31	$9,258
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2019-12-31	$9,258
Total income from all sources (including contributions)	2019-12-31	$3,272,445
Total income from all sources (including contributions)	2019-12-31	$3,272,445
Total loss/gain on sale of assets	2019-12-31	$0
Total loss/gain on sale of assets	2019-12-31	$0
Total of all expenses incurred	2019-12-31	$236,100
Total of all expenses incurred	2019-12-31	$236,100
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2019-12-31	$236,100
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2019-12-31	$236,100
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2019-12-31	$1,649,075
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2019-12-31	$1,649,075
Value of total assets at end of year	2019-12-31	$10,435,509
Value of total assets at end of year	2019-12-31	$10,435,509
Value of total assets at beginning of year	2019-12-31	$7,408,385
Value of total assets at beginning of year	2019-12-31	$7,408,385
Total of administrative expenses incurred including professional, contract, advisory and management fees	2019-12-31	$0
Total of administrative expenses incurred including professional, contract, advisory and management fees	2019-12-31	$0
Total interest from all sources	2019-12-31	$1,844
Total interest from all sources	2019-12-31	$1,844
Total dividends received (eg from common stock, registered investment company shares)	2019-12-31	$22,733
Total dividends received (eg from common stock, registered investment company shares)	2019-12-31	$22,733
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2019-12-31	No
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2019-12-31	No
Was this plan covered by a fidelity bond	2019-12-31	Yes
Was this plan covered by a fidelity bond	2019-12-31	Yes
Value of fidelity bond cover	2019-12-31	$5,000,000
Value of fidelity bond cover	2019-12-31	$5,000,000
If this is an individual account plan, was there a blackout period	2019-12-31	No
If this is an individual account plan, was there a blackout period	2019-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2019-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2019-12-31	No
Were there any nonexempt tranactions with any party-in-interest	2019-12-31	No
Contributions received from participants	2019-12-31	$749,944
Contributions received from participants	2019-12-31	$749,944
Income. Received or receivable in cash from other sources (including rollovers)	2019-12-31	$476,275
Income. Received or receivable in cash from other sources (including rollovers)	2019-12-31	$476,275
Liabilities. Value of operating payables at end of year	2019-12-31	$37
Liabilities. Value of operating payables at end of year	2019-12-31	$37
Liabilities. Value of operating payables at beginning of year	2019-12-31	$9,258
Liabilities. Value of operating payables at beginning of year	2019-12-31	$9,258
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2019-12-31	No
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2019-12-31	No
Value of net income/loss	2019-12-31	$3,036,345
Value of net income/loss	2019-12-31	$3,036,345
Value of net assets at end of year (total assets less liabilities)	2019-12-31	$10,435,472
Value of net assets at end of year (total assets less liabilities)	2019-12-31	$10,435,472
Value of net assets at beginning of year (total assets less liabilities)	2019-12-31	$7,399,127
Value of net assets at beginning of year (total assets less liabilities)	2019-12-31	$7,399,127
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2019-12-31	No
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2019-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2019-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2019-12-31	No
Were any leases to which the plan was party in default or uncollectible	2019-12-31	No
Were any leases to which the plan was party in default or uncollectible	2019-12-31	No
Value of interest in pooled separate accounts at end of year	2019-12-31	$7,982,334
Value of interest in pooled separate accounts at end of year	2019-12-31	$7,982,334
Value of interest in pooled separate accounts at beginning of year	2019-12-31	$5,749,828
Value of interest in pooled separate accounts at beginning of year	2019-12-31	$5,749,828
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2019-12-31	$1,019
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2019-12-31	$5,221
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2019-12-31	$5,221
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2019-12-31	$5,221
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2019-12-31	$5,221
Interest earned from interest bearing cash (including money market accounts and certificates of deposit)	2019-12-31	$1,844
Interest earned from interest bearing cash (including money market accounts and certificates of deposit)	2019-12-31	$1,844
Net investment gain/loss from pooled separate accounts	2019-12-31	$1,283,230
Net investment gain/loss from pooled separate accounts	2019-12-31	$1,283,230
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2019-12-31	No
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2019-12-31	No
Was there a failure to transmit to the plan any participant contributions	2019-12-31	No
Was there a failure to transmit to the plan any participant contributions	2019-12-31	No
Has the plan failed to provide any benefit when due under the plan	2019-12-31	No
Has the plan failed to provide any benefit when due under the plan	2019-12-31	No
Assets. Invements in employer securities at end of year	2019-12-31	$2,452,156
Assets. Invements in employer securities at end of year	2019-12-31	$2,452,156
Assets. Invements in employer securities at beginning of year	2019-12-31	$1,653,336
Assets. Invements in employer securities at beginning of year	2019-12-31	$1,653,336
Contributions received in cash from employer	2019-12-31	$422,856
Contributions received in cash from employer	2019-12-31	$422,856
Income. Dividends from common stock	2019-12-31	$22,733
Income. Dividends from common stock	2019-12-31	$22,733
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2019-12-31	$236,100
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2019-12-31	$236,100
Did the plan have assets held for investment	2019-12-31	Yes
Did the plan have assets held for investment	2019-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2019-12-31	No
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2019-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2019-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2019-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2019-12-31	Yes
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2019-12-31	Yes
Opinion of an independent qualified public accountant for this plan	2019-12-31	Disclaimer
Opinion of an independent qualified public accountant for this plan	2019-12-31	Disclaimer
Accountancy firm name	2019-12-31	WARREN AVERETT, LLC
Accountancy firm name	2019-12-31	WARREN AVERETT, LLC
Accountancy firm EIN	2019-12-31	454084437
Accountancy firm EIN	2019-12-31	454084437
2018 : RIVER BANK AND TRUST 401(K) EMPLOYEE STOCK OWNERSHIP PLAN 2018 401k financial data
Unrealized appreciation/depreciation of other (non real estate) assets	2018-12-31	$-41,731
Total unrealized appreciation/depreciation of assets	2018-12-31	$-41,731
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2018-12-31	$9,258
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2018-12-31	$2,029
Total income from all sources (including contributions)	2018-12-31	$825,134
Total loss/gain on sale of assets	2018-12-31	$0
Total of all expenses incurred	2018-12-31	$147,951
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2018-12-31	$147,951
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2018-12-31	$1,307,422
Value of total assets at end of year	2018-12-31	$7,408,385
Value of total assets at beginning of year	2018-12-31	$6,723,973
Total of administrative expenses incurred including professional, contract, advisory and management fees	2018-12-31	$0
Total interest from all sources	2018-12-31	$809
Total dividends received (eg from common stock, registered investment company shares)	2018-12-31	$15,040
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2018-12-31	No
Was this plan covered by a fidelity bond	2018-12-31	Yes
Value of fidelity bond cover	2018-12-31	$5,000,000
If this is an individual account plan, was there a blackout period	2018-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2018-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2018-12-31	No
Contributions received from participants	2018-12-31	$608,692
Income. Received or receivable in cash from other sources (including rollovers)	2018-12-31	$360,533
Value of other receiveables (less allowance for doubtful accounts) at end of year	2018-12-31	$0
Value of other receiveables (less allowance for doubtful accounts) at beginning of year	2018-12-31	$0
Liabilities. Value of operating payables at end of year	2018-12-31	$9,258
Liabilities. Value of operating payables at beginning of year	2018-12-31	$2,029
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2018-12-31	No
Value of net income/loss	2018-12-31	$677,183
Value of net assets at end of year (total assets less liabilities)	2018-12-31	$7,399,127
Value of net assets at beginning of year (total assets less liabilities)	2018-12-31	$6,721,944
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2018-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2018-12-31	No
Were any leases to which the plan was party in default or uncollectible	2018-12-31	No
Value of interest in pooled separate accounts at end of year	2018-12-31	$5,749,828
Value of interest in pooled separate accounts at beginning of year	2018-12-31	$5,406,921
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2018-12-31	$5,221
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2018-12-31	$1,034
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2018-12-31	$1,034
Interest earned from interest bearing cash (including money market accounts and certificates of deposit)	2018-12-31	$809
Net investment gain/loss from pooled separate accounts	2018-12-31	$-456,406
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2018-12-31	No
Was there a failure to transmit to the plan any participant contributions	2018-12-31	No
Has the plan failed to provide any benefit when due under the plan	2018-12-31	No
Assets. Invements in employer securities at end of year	2018-12-31	$1,653,336
Assets. Invements in employer securities at beginning of year	2018-12-31	$1,316,018
Contributions received in cash from employer	2018-12-31	$338,197
Income. Dividends from common stock	2018-12-31	$15,040
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2018-12-31	$147,951
Did the plan have assets held for investment	2018-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2018-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2018-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2018-12-31	Yes
Opinion of an independent qualified public accountant for this plan	2018-12-31	Disclaimer
Accountancy firm name	2018-12-31	WARREN AVERETT, LLC
Accountancy firm EIN	2018-12-31	454084437
2017 : RIVER BANK AND TRUST 401(K) EMPLOYEE STOCK OWNERSHIP PLAN 2017 401k financial data
Unrealized appreciation/depreciation of other (non real estate) assets	2017-12-31	$213,212
Total unrealized appreciation/depreciation of assets	2017-12-31	$213,212
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2017-12-31	$2,029
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2017-12-31	$162,059
Total income from all sources (including contributions)	2017-12-31	$1,994,020
Total loss/gain on sale of assets	2017-12-31	$0
Total of all expenses incurred	2017-12-31	$453,944
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2017-12-31	$453,944
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2017-12-31	$996,564
Value of total assets at end of year	2017-12-31	$6,723,973
Value of total assets at beginning of year	2017-12-31	$5,343,927
Total of administrative expenses incurred including professional, contract, advisory and management fees	2017-12-31	$0
Total interest from all sources	2017-12-31	$239
Total dividends received (eg from common stock, registered investment company shares)	2017-12-31	$9,733
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2017-12-31	No
Was this plan covered by a fidelity bond	2017-12-31	Yes
Value of fidelity bond cover	2017-12-31	$5,000,000
If this is an individual account plan, was there a blackout period	2017-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2017-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2017-12-31	No
Contributions received from participants	2017-12-31	$545,806
Income. Received or receivable in cash from other sources (including rollovers)	2017-12-31	$147,329
Value of other receiveables (less allowance for doubtful accounts) at end of year	2017-12-31	$0
Value of other receiveables (less allowance for doubtful accounts) at beginning of year	2017-12-31	$753
Liabilities. Value of operating payables at end of year	2017-12-31	$2,029
Liabilities. Value of operating payables at beginning of year	2017-12-31	$162,059
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2017-12-31	No
Value of net income/loss	2017-12-31	$1,540,076
Value of net assets at end of year (total assets less liabilities)	2017-12-31	$6,721,944
Value of net assets at beginning of year (total assets less liabilities)	2017-12-31	$5,181,868
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2017-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2017-12-31	No
Were any leases to which the plan was party in default or uncollectible	2017-12-31	No
Value of interest in pooled separate accounts at end of year	2017-12-31	$5,406,921
Value of interest in pooled separate accounts at beginning of year	2017-12-31	$4,392,476
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2017-12-31	$1,034
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2017-12-31	$162,305
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2017-12-31	$162,305
Interest earned from interest bearing cash (including money market accounts and certificates of deposit)	2017-12-31	$239
Net investment gain/loss from pooled separate accounts	2017-12-31	$774,272
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2017-12-31	No
Was there a failure to transmit to the plan any participant contributions	2017-12-31	No
Has the plan failed to provide any benefit when due under the plan	2017-12-31	No
Assets. Invements in employer securities at end of year	2017-12-31	$1,316,018
Assets. Invements in employer securities at beginning of year	2017-12-31	$788,393
Contributions received in cash from employer	2017-12-31	$303,429
Income. Dividends from common stock	2017-12-31	$9,733
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2017-12-31	$453,944
Did the plan have assets held for investment	2017-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2017-12-31	Yes
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2017-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2017-12-31	Yes
Opinion of an independent qualified public accountant for this plan	2017-12-31	Disclaimer
Accountancy firm name	2017-12-31	WARREN AVERETT, LLC
Accountancy firm EIN	2017-12-31	454084437
2016 : RIVER BANK AND TRUST 401(K) EMPLOYEE STOCK OWNERSHIP PLAN 2016 401k financial data
Unrealized appreciation/depreciation of other (non real estate) assets	2016-12-31	$415,833
Total unrealized appreciation/depreciation of assets	2016-12-31	$415,833
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2016-12-31	$162,059
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2016-12-31	$59
Total income from all sources (including contributions)	2016-12-31	$1,622,047
Total loss/gain on sale of assets	2016-12-31	$0
Total of all expenses incurred	2016-12-31	$60,054
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2016-12-31	$60,054
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2016-12-31	$1,202,772
Value of total assets at end of year	2016-12-31	$5,343,927
Value of total assets at beginning of year	2016-12-31	$3,619,934
Total of administrative expenses incurred including professional, contract, advisory and management fees	2016-12-31	$0
Total interest from all sources	2016-12-31	$0
Total dividends received (eg from common stock, registered investment company shares)	2016-12-31	$0
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2016-12-31	No
Was this plan covered by a fidelity bond	2016-12-31	Yes
Value of fidelity bond cover	2016-12-31	$5,000,000
If this is an individual account plan, was there a blackout period	2016-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2016-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2016-12-31	No
Contributions received from participants	2016-12-31	$498,612
Income. Received or receivable in cash from other sources (including rollovers)	2016-12-31	$423,899
Value of other receiveables (less allowance for doubtful accounts) at end of year	2016-12-31	$753
Value of other receiveables (less allowance for doubtful accounts) at beginning of year	2016-12-31	$0
Other income not declared elsewhere	2016-12-31	$3,442
Liabilities. Value of operating payables at end of year	2016-12-31	$162,059
Liabilities. Value of operating payables at beginning of year	2016-12-31	$59
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2016-12-31	No
Value of net income/loss	2016-12-31	$1,561,993
Value of net assets at end of year (total assets less liabilities)	2016-12-31	$5,181,868
Value of net assets at beginning of year (total assets less liabilities)	2016-12-31	$3,619,875
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2016-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2016-12-31	No
Were any leases to which the plan was party in default or uncollectible	2016-12-31	No
Value of interest in pooled separate accounts at end of year	2016-12-31	$4,392,476
Value of interest in pooled separate accounts at beginning of year	2016-12-31	$3,289,882
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2016-12-31	$162,305
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2016-12-31	$10
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2016-12-31	$10
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2016-12-31	No
Was there a failure to transmit to the plan any participant contributions	2016-12-31	No
Has the plan failed to provide any benefit when due under the plan	2016-12-31	No
Assets. Invements in employer securities at end of year	2016-12-31	$788,393
Assets. Invements in employer securities at beginning of year	2016-12-31	$330,042
Contributions received in cash from employer	2016-12-31	$280,261
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2016-12-31	$60,054
Did the plan have assets held for investment	2016-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2016-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2016-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2016-12-31	Yes
Opinion of an independent qualified public accountant for this plan	2016-12-31	Disclaimer
Accountancy firm name	2016-12-31	WARREN AVERETT, LLC
Accountancy firm EIN	2016-12-31	454084437
2015 : RIVER BANK AND TRUST 401(K) EMPLOYEE STOCK OWNERSHIP PLAN 2015 401k financial data
Total plan liabilities at end of year	2015-12-31	$59
Total plan liabilities at beginning of year	2015-12-31	$0
Total income from all sources	2015-12-31	$514,566
Expenses. Total of all expenses incurred	2015-12-31	$192,133
Benefits paid (including direct rollovers)	2015-12-31	$192,133
Total plan assets at end of year	2015-12-31	$3,619,935
Total plan assets at beginning of year	2015-12-31	$3,297,443
Value of fidelity bond covering the plan	2015-12-31	$1,000,000
Total contributions received or receivable from participants	2015-12-31	$280,920
Expenses. Other expenses not covered elsewhere	2015-12-31	$0
Contributions received from other sources (not participants or employers)	2015-12-31	$142,434
Other income received	2015-12-31	$-67,707
Net income (gross income less expenses)	2015-12-31	$322,433
Net plan assets at end of year (total assets less liabilities)	2015-12-31	$3,619,876
Net plan assets at beginning of year (total assets less liabilities)	2015-12-31	$3,297,443
Assets. Value of employer securities	2015-12-31	$330,042
Total contributions received or receivable from employer(s)	2015-12-31	$158,919
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2015-12-31	$0
2014 : RIVER BANK AND TRUST 401(K) EMPLOYEE STOCK OWNERSHIP PLAN 2014 401k financial data
Total income from all sources	2014-12-31	$1,124,369
Expenses. Total of all expenses incurred	2014-12-31	$226,671
Benefits paid (including direct rollovers)	2014-12-31	$224,501
Total plan assets at end of year	2014-12-31	$3,297,443
Total plan assets at beginning of year	2014-12-31	$2,399,745
Value of fidelity bond covering the plan	2014-12-31	$1,000,000
Total contributions received or receivable from participants	2014-12-31	$247,002
Expenses. Other expenses not covered elsewhere	2014-12-31	$2,170
Contributions received from other sources (not participants or employers)	2014-12-31	$608,278
Other income received	2014-12-31	$125,344
Net income (gross income less expenses)	2014-12-31	$897,698
Net plan assets at end of year (total assets less liabilities)	2014-12-31	$3,297,443
Net plan assets at beginning of year (total assets less liabilities)	2014-12-31	$2,399,745
Assets. Value of employer securities	2014-12-31	$167,536
Total contributions received or receivable from employer(s)	2014-12-31	$143,745
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2014-12-31	$0

Form 5500 Responses for RIVER BANK AND TRUST 401(K) EMPLOYEE STOCK OWNERSHIP PLAN

2022: RIVER BANK AND TRUST 401(K) EMPLOYEE STOCK OWNERSHIP PLAN 2022 form 5500 responses
2022-01-01	Type of plan entity	Single employer plan
2022-01-01	Submission has been amended	No
2022-01-01	This submission is the final filing	No
2022-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2022-01-01	Plan is a collectively bargained plan	No
2022-01-01	Plan funding arrangement – Insurance	Yes
2022-01-01	Plan funding arrangement – Trust	Yes
2022-01-01	Plan benefit arrangement – Insurance	Yes
2022-01-01	Plan benefit arrangement - Trust	Yes
2021: RIVER BANK AND TRUST 401(K) EMPLOYEE STOCK OWNERSHIP PLAN 2021 form 5500 responses
2021-01-01	Type of plan entity	Single employer plan
2021-01-01	Submission has been amended	No
2021-01-01	This submission is the final filing	No
2021-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2021-01-01	Plan is a collectively bargained plan	No
2021-01-01	Plan funding arrangement – Insurance	Yes
2021-01-01	Plan funding arrangement – Trust	Yes
2021-01-01	Plan benefit arrangement – Insurance	Yes
2021-01-01	Plan benefit arrangement - Trust	Yes
2020: RIVER BANK AND TRUST 401(K) EMPLOYEE STOCK OWNERSHIP PLAN 2020 form 5500 responses
2020-01-01	Type of plan entity	Single employer plan
2020-01-01	Submission has been amended	No
2020-01-01	This submission is the final filing	No
2020-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2020-01-01	Plan is a collectively bargained plan	No
2020-01-01	Plan funding arrangement – Insurance	Yes
2020-01-01	Plan funding arrangement – Trust	Yes
2020-01-01	Plan benefit arrangement – Insurance	Yes
2020-01-01	Plan benefit arrangement - Trust	Yes
2019: RIVER BANK AND TRUST 401(K) EMPLOYEE STOCK OWNERSHIP PLAN 2019 form 5500 responses
2019-01-01	Type of plan entity	Single employer plan
2019-01-01	Submission has been amended	No
2019-01-01	This submission is the final filing	No
2019-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2019-01-01	Plan is a collectively bargained plan	No
2019-01-01	Plan funding arrangement – Insurance	Yes
2019-01-01	Plan funding arrangement – Trust	Yes
2019-01-01	Plan benefit arrangement – Insurance	Yes
2019-01-01	Plan benefit arrangement - Trust	Yes
2018: RIVER BANK AND TRUST 401(K) EMPLOYEE STOCK OWNERSHIP PLAN 2018 form 5500 responses
2018-01-01	Type of plan entity	Single employer plan
2018-01-01	Submission has been amended	No
2018-01-01	This submission is the final filing	No
2018-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2018-01-01	Plan is a collectively bargained plan	No
2018-01-01	Plan funding arrangement – Insurance	Yes
2018-01-01	Plan funding arrangement – Trust	Yes
2018-01-01	Plan benefit arrangement – Insurance	Yes
2018-01-01	Plan benefit arrangement - Trust	Yes
2017: RIVER BANK AND TRUST 401(K) EMPLOYEE STOCK OWNERSHIP PLAN 2017 form 5500 responses
2017-01-01	Type of plan entity	Single employer plan
2017-01-01	Submission has been amended	No
2017-01-01	This submission is the final filing	No
2017-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2017-01-01	Plan is a collectively bargained plan	No
2017-01-01	Plan funding arrangement – Insurance	Yes
2017-01-01	Plan funding arrangement – Trust	Yes
2017-01-01	Plan benefit arrangement – Insurance	Yes
2017-01-01	Plan benefit arrangement - Trust	Yes
2016: RIVER BANK AND TRUST 401(K) EMPLOYEE STOCK OWNERSHIP PLAN 2016 form 5500 responses
2016-01-01	Type of plan entity	Single employer plan
2016-01-01	Submission has been amended	No
2016-01-01	This submission is the final filing	No
2016-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2016-01-01	Plan is a collectively bargained plan	No
2016-01-01	Plan funding arrangement – Insurance	Yes
2016-01-01	Plan funding arrangement – Trust	Yes
2016-01-01	Plan benefit arrangement – Insurance	Yes
2016-01-01	Plan benefit arrangement - Trust	Yes
2015: RIVER BANK AND TRUST 401(K) EMPLOYEE STOCK OWNERSHIP PLAN 2015 form 5500 responses
2015-01-01	Type of plan entity	Single employer plan
2015-01-01	Submission has been amended	No
2015-01-01	This submission is the final filing	No
2015-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2015-01-01	Plan is a collectively bargained plan	No
2015-01-01	Plan funding arrangement – Insurance	Yes
2015-01-01	Plan funding arrangement – Trust	Yes
2015-01-01	Plan benefit arrangement – Insurance	Yes
2015-01-01	Plan benefit arrangement - Trust	Yes
2014: RIVER BANK AND TRUST 401(K) EMPLOYEE STOCK OWNERSHIP PLAN 2014 form 5500 responses
2014-01-01	Type of plan entity	Single employer plan
2014-01-01	Submission has been amended	No
2014-01-01	This submission is the final filing	No
2014-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2014-01-01	Plan is a collectively bargained plan	No
2014-01-01	Plan funding arrangement – Insurance	Yes
2014-01-01	Plan funding arrangement – Trust	Yes
2014-01-01	Plan benefit arrangement – Insurance	Yes
2014-01-01	Plan benefit arrangement - Trust	Yes

Insurance Providers Used on plan

JOHN HANCOCK LIFE INSURANCE COMPANY (U.S.A.) (National Association of Insurance Commissioners NAIC id number: 65838 )

Policy contract number

97853

Policy instance

Insurance contract or identification number	97853
Number of Individuals Covered	334
Insurance policy start date	2022-01-01
Insurance policy end date	2022-12-31
Total amount of commissions paid to insurance broker	USD $20,160
Total amount of fees paid to insurance company	USD $5,654
Are there contracts with allocated funds for individual policies?	0
Are there contracts with allocated funds for group deferred annuity?	No
Are there contracts with allocated funds for types other than group deferred annuity or individual?	No
Contract purchased, in whole or in part, to distribute benefits from a terminating plan	No
Contracts With Unallocated Funds Deposit Administration	0
Are there contracts with unallocated funds for contracts of type immediate participation guarantee?	No
Are there contracts with unallocated funds for contracts of type guaranteed investment?	No
Are there contracts with unallocated funds for contract types other than deposit administration, immediate participation guarantee or guaranteed investment?	Yes
Health Insurance Welfare Benefit	No
Dental Insurance Welfare Benefit	No
Vision Insurance Welfare Benefit	No
Life Insurance Welfare Benefit	No
Temporary Disability Insurance Welfare Benefit	No
Long Term Disability Insurance Welfare Benefit	No
Unemployment Insurance Welfare Benefit	No
Were dividends or retroactive rate refunds paid in cash?	No
Were dividends or retroactive rate refunds paid as a credit?	No
Did the insurance company fail to provide any information necessary to complete Schedule A of form 5500?	No
Commission paid to Insurance Broker	USD $20,160
Amount paid for insurance broker fees	0
Additional information about fees paid to insurance broker	BROKER
Insurance broker organization code?	3

JOHN HANCOCK LIFE INSURANCE COMPANY (U.S.A.) (National Association of Insurance Commissioners NAIC id number: 65838 )

Policy contract number

97853

Policy instance

Insurance contract or identification number	97853
Number of Individuals Covered	262
Insurance policy start date	2021-01-01
Insurance policy end date	2021-12-31
Total amount of commissions paid to insurance broker	USD $34,600
Total amount of fees paid to insurance company	USD $4,138
Are there contracts with allocated funds for individual policies?	0
Are there contracts with allocated funds for group deferred annuity?	No
Are there contracts with allocated funds for types other than group deferred annuity or individual?	No
Contract purchased, in whole or in part, to distribute benefits from a terminating plan	No
Contracts With Unallocated Funds Deposit Administration	0
Are there contracts with unallocated funds for contracts of type immediate participation guarantee?	No
Are there contracts with unallocated funds for contracts of type guaranteed investment?	No
Are there contracts with unallocated funds for contract types other than deposit administration, immediate participation guarantee or guaranteed investment?	Yes
Health Insurance Welfare Benefit	No
Dental Insurance Welfare Benefit	No
Vision Insurance Welfare Benefit	No
Life Insurance Welfare Benefit	No
Temporary Disability Insurance Welfare Benefit	No
Long Term Disability Insurance Welfare Benefit	No
Unemployment Insurance Welfare Benefit	No
Were dividends or retroactive rate refunds paid in cash?	No
Were dividends or retroactive rate refunds paid as a credit?	No
Did the insurance company fail to provide any information necessary to complete Schedule A of form 5500?	No
Commission paid to Insurance Broker	USD $33,715
Amount paid for insurance broker fees	0
Additional information about fees paid to insurance broker	BROKER
Insurance broker organization code?	3

JOHN HANCOCK LIFE INSURANCE COMPANY (U.S.A.) (National Association of Insurance Commissioners NAIC id number: 65838 )

Policy contract number

97853

Policy instance

Insurance contract or identification number	97853
Number of Individuals Covered	222
Insurance policy start date	2020-01-01
Insurance policy end date	2020-12-31
Total amount of commissions paid to insurance broker	USD $26,237
Total amount of fees paid to insurance company	USD $4,207
Are there contracts with allocated funds for individual policies?	0
Are there contracts with allocated funds for group deferred annuity?	No
Are there contracts with allocated funds for types other than group deferred annuity or individual?	No
Contract purchased, in whole or in part, to distribute benefits from a terminating plan	No
Contracts With Unallocated Funds Deposit Administration	0
Are there contracts with unallocated funds for contracts of type immediate participation guarantee?	No
Are there contracts with unallocated funds for contracts of type guaranteed investment?	No
Are there contracts with unallocated funds for contract types other than deposit administration, immediate participation guarantee or guaranteed investment?	Yes
Health Insurance Welfare Benefit	No
Dental Insurance Welfare Benefit	No
Vision Insurance Welfare Benefit	No
Life Insurance Welfare Benefit	No
Temporary Disability Insurance Welfare Benefit	No
Long Term Disability Insurance Welfare Benefit	No
Unemployment Insurance Welfare Benefit	No
Were dividends or retroactive rate refunds paid in cash?	No
Were dividends or retroactive rate refunds paid as a credit?	No
Did the insurance company fail to provide any information necessary to complete Schedule A of form 5500?	No
Commission paid to Insurance Broker	USD $25,212
Amount paid for insurance broker fees	0
Additional information about fees paid to insurance broker	BROKER
Insurance broker organization code?	3

JOHN HANCOCK LIFE INSURANCE COMPANY (U.S.A.) (National Association of Insurance Commissioners NAIC id number: 65838 )

Policy contract number

97853

Policy instance

Insurance contract or identification number	97853
Number of Individuals Covered	217
Insurance policy start date	2019-01-01
Insurance policy end date	2019-12-31
Total amount of commissions paid to insurance broker	USD $20,973
Total amount of fees paid to insurance company	USD $4,151
Are there contracts with allocated funds for individual policies?	0
Are there contracts with allocated funds for group deferred annuity?	No
Are there contracts with allocated funds for types other than group deferred annuity or individual?	No
Contract purchased, in whole or in part, to distribute benefits from a terminating plan	No
Contracts With Unallocated Funds Deposit Administration	0
Are there contracts with unallocated funds for contracts of type immediate participation guarantee?	No
Are there contracts with unallocated funds for contracts of type guaranteed investment?	No
Are there contracts with unallocated funds for contract types other than deposit administration, immediate participation guarantee or guaranteed investment?	Yes
Health Insurance Welfare Benefit	No
Dental Insurance Welfare Benefit	No
Vision Insurance Welfare Benefit	No
Life Insurance Welfare Benefit	No
Temporary Disability Insurance Welfare Benefit	No
Long Term Disability Insurance Welfare Benefit	No
Unemployment Insurance Welfare Benefit	No
Were dividends or retroactive rate refunds paid in cash?	No
Were dividends or retroactive rate refunds paid as a credit?	No
Did the insurance company fail to provide any information necessary to complete Schedule A of form 5500?	No
Commission paid to Insurance Broker	USD $20,973
Amount paid for insurance broker fees	0
Additional information about fees paid to insurance broker	BROKER
Insurance broker organization code?	3

JOHN HANCOCK LIFE INSURANCE COMPANY (U.S.A.) (National Association of Insurance Commissioners NAIC id number: 65838 )

Policy contract number

97853

Policy instance

Insurance contract or identification number	97853
Number of Individuals Covered	185
Insurance policy start date	2018-01-01
Insurance policy end date	2018-12-31
Total amount of commissions paid to insurance broker	USD $20,832
Total amount of fees paid to insurance company	USD $6,748
Are there contracts with allocated funds for individual policies?	0
Are there contracts with allocated funds for group deferred annuity?	No
Are there contracts with allocated funds for types other than group deferred annuity or individual?	No
Contract purchased, in whole or in part, to distribute benefits from a terminating plan	No
Contracts With Unallocated Funds Deposit Administration	0
Are there contracts with unallocated funds for contracts of type immediate participation guarantee?	No
Are there contracts with unallocated funds for contracts of type guaranteed investment?	No
Are there contracts with unallocated funds for contract types other than deposit administration, immediate participation guarantee or guaranteed investment?	Yes
Health Insurance Welfare Benefit	No
Dental Insurance Welfare Benefit	No
Vision Insurance Welfare Benefit	No
Life Insurance Welfare Benefit	No
Temporary Disability Insurance Welfare Benefit	No
Long Term Disability Insurance Welfare Benefit	No
Unemployment Insurance Welfare Benefit	No
Were dividends or retroactive rate refunds paid in cash?	No
Were dividends or retroactive rate refunds paid as a credit?	No
Did the insurance company fail to provide any information necessary to complete Schedule A of form 5500?	No
Commission paid to Insurance Broker	USD $20,832
Amount paid for insurance broker fees	0
Additional information about fees paid to insurance broker	BROKER
Insurance broker organization code?	3

JOHN HANCOCK LIFE INSURANCE COMPANY (U.S.A.) (National Association of Insurance Commissioners NAIC id number: 65838 )

Policy contract number

97853

Policy instance

Insurance contract or identification number	97853
Number of Individuals Covered	139
Insurance policy start date	2017-01-01
Insurance policy end date	2017-12-31
Total amount of commissions paid to insurance broker	USD $24,764
Total amount of fees paid to insurance company	USD $550
Are there contracts with allocated funds for individual policies?	0
Are there contracts with allocated funds for group deferred annuity?	No
Are there contracts with allocated funds for types other than group deferred annuity or individual?	No
Contract purchased, in whole or in part, to distribute benefits from a terminating plan	No
Contracts With Unallocated Funds Deposit Administration	0
Are there contracts with unallocated funds for contracts of type immediate participation guarantee?	No
Are there contracts with unallocated funds for contracts of type guaranteed investment?	No
Are there contracts with unallocated funds for contract types other than deposit administration, immediate participation guarantee or guaranteed investment?	Yes
Health Insurance Welfare Benefit	No
Dental Insurance Welfare Benefit	No
Vision Insurance Welfare Benefit	No
Life Insurance Welfare Benefit	No
Temporary Disability Insurance Welfare Benefit	No
Long Term Disability Insurance Welfare Benefit	No
Unemployment Insurance Welfare Benefit	No
Were dividends or retroactive rate refunds paid in cash?	No
Were dividends or retroactive rate refunds paid as a credit?	No
Did the insurance company fail to provide any information necessary to complete Schedule A of form 5500?	No
Commission paid to Insurance Broker	USD $24,764
Amount paid for insurance broker fees	0
Additional information about fees paid to insurance broker	BROKER
Insurance broker organization code?	3
Insurance broker name	SWERDLIN & COMPANY

JOHN HANCOCK LIFE INSURANCE COMPANY (U.S.A.) (National Association of Insurance Commissioners NAIC id number: 65838 )

Policy contract number

97853

Policy instance

Insurance contract or identification number	97853
Number of Individuals Covered	111
Insurance policy start date	2015-01-01
Insurance policy end date	2015-12-31
Total amount of commissions paid to insurance broker	USD $16,470
Total amount of fees paid to insurance company	USD $1,755
Are there contracts with allocated funds for individual policies?	No
Are there contracts with allocated funds for group deferred annuity?	No
Are there contracts with allocated funds for types other than group deferred annuity or individual?	No
Contract purchased, in whole or in part, to distribute benefits from a terminating plan	No
Contracts With Unallocated Funds Deposit Administration	0
Are there contracts with unallocated funds for contracts of type immediate participation guarantee?	No
Are there contracts with unallocated funds for contracts of type guaranteed investment?	No
Are there contracts with unallocated funds for contract types other than deposit administration, immediate participation guarantee or guaranteed investment?	No
Health Insurance Welfare Benefit	No
Dental Insurance Welfare Benefit	No
Vision Insurance Welfare Benefit	No
Life Insurance Welfare Benefit	No
Temporary Disability Insurance Welfare Benefit	No
Long Term Disability Insurance Welfare Benefit	No
Unemployment Insurance Welfare Benefit	No
Were dividends or retroactive rate refunds paid in cash?	No
Were dividends or retroactive rate refunds paid as a credit?	No
Did the insurance company fail to provide any information necessary to complete Schedule A of form 5500?	No
Commission paid to Insurance Broker	USD $16,470
Amount paid for insurance broker fees	0
Additional information about fees paid to insurance broker	BROKER
Insurance broker organization code?	3
Insurance broker name	SWERDLIN & COMPANY

JOHN HANCOCK LIFE INSURANCE COMPANY (U.S.A.) (National Association of Insurance Commissioners NAIC id number: 65838 )

Policy contract number

97853

Policy instance

Insurance contract or identification number	97853
Number of Individuals Covered	76
Insurance policy start date	2014-01-01
Insurance policy end date	2014-12-31
Total amount of commissions paid to insurance broker	USD $13,020
Total amount of fees paid to insurance company	USD $1,539
Are there contracts with allocated funds for individual policies?	No
Are there contracts with allocated funds for group deferred annuity?	No
Are there contracts with allocated funds for types other than group deferred annuity or individual?	No
Contract purchased, in whole or in part, to distribute benefits from a terminating plan	No
Contracts With Unallocated Funds Deposit Administration	0
Are there contracts with unallocated funds for contracts of type immediate participation guarantee?	No
Are there contracts with unallocated funds for contracts of type guaranteed investment?	No
Are there contracts with unallocated funds for contract types other than deposit administration, immediate participation guarantee or guaranteed investment?	No
Health Insurance Welfare Benefit	No
Dental Insurance Welfare Benefit	No
Vision Insurance Welfare Benefit	No
Life Insurance Welfare Benefit	No
Temporary Disability Insurance Welfare Benefit	No
Long Term Disability Insurance Welfare Benefit	No
Unemployment Insurance Welfare Benefit	No
Were dividends or retroactive rate refunds paid in cash?	No
Were dividends or retroactive rate refunds paid as a credit?	No
Did the insurance company fail to provide any information necessary to complete Schedule A of form 5500?	No
Commission paid to Insurance Broker	USD $11,707
Amount paid for insurance broker fees	0
Additional information about fees paid to insurance broker	BROKER
Insurance broker organization code?	3
Insurance broker name	RAYMOND JAMES INSURANCE GROUP, INC

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Company Name:	RIVER BANK AND TRUST
Employer identification number (EIN):	204303726
NAIC Classification:	522110
NAIC Description:	Commercial Banking