Call reports 2008
RIVERHILLS BANK — 2008
What RIVERHILLS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 209,481,000 | 217,465,000 | 218,431,000 | 216,064,000 |
| Total loans | 133,205,000 | 143,701,000 | 146,978,000 | 149,759,000 |
| Allowance for loan losses | 2,182,000 | 2,291,000 | 2,087,000 | 2,110,000 |
| Securities available for sale | 46,692,000 | 47,050,000 | 47,093,000 | 52,477,000 |
| Securities held to maturity | 4,236,000 | 3,235,000 | 3,098,000 | 3,080,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 177,629,000 | 184,976,000 | 176,768,000 | 170,733,000 |
| Interest-bearing deposits | 149,687,000 | 151,613,000 | 145,892,000 | 140,567,000 |
| Noninterest-bearing deposits | 27,942,000 | 33,363,000 | 30,876,000 | 30,166,000 |
| Equity capital | 17,579,000 | 18,095,000 | 18,892,000 | 18,185,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,203,000 | 6,416,000 | 9,462,000 | 12,455,000 |
| Interest expense | 1,359,000 | 2,619,000 | 3,714,000 | 4,734,000 |
| Net interest income | 1,844,000 | 3,797,000 | 5,748,000 | 7,721,000 |
| Noninterest income | 307,000 | 646,000 | 993,000 | 1,322,000 |
| Noninterest expense | 1,157,000 | 2,243,000 | 3,340,000 | 4,864,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 360,000 |
| Pretax income | 904,000 | 2,020,000 | 3,131,000 | 3,819,000 |
| Income tax | 261,000 | 610,000 | 932,000 | 1,703,000 |
| Net income | 643,000 | 1,410,000 | 2,199,000 | 2,116,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,248,000 | 18,015,000 | 18,805,000 | 17,822,000 |
| Total capital | 19,010,000 | 19,875,000 | 20,695,000 | 19,720,000 |
| Risk-weighted assets | 140,559,000 | 148,400,000 | 150,976,000 | 151,591,000 |
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