Call reports 2009
RIVERHILLS BANK — 2009
What RIVERHILLS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 227,208,000 | 219,275,000 | 220,904,000 | 219,177,000 |
| Total loans | 151,724,000 | 156,534,000 | 161,389,000 | 163,223,000 |
| Allowance for loan losses | 2,229,000 | 2,344,000 | 2,407,000 | 2,500,000 |
| Securities available for sale | 48,238,000 | 46,515,000 | 40,119,000 | 37,963,000 |
| Securities held to maturity | 3,061,000 | 2,655,000 | 2,523,000 | 5,116,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 187,920,000 | 177,227,000 | 180,551,000 | 182,530,000 |
| Interest-bearing deposits | 157,682,000 | 151,438,000 | 154,681,000 | 153,937,000 |
| Noninterest-bearing deposits | 30,238,000 | 25,789,000 | 25,870,000 | 28,593,000 |
| Equity capital | 18,892,000 | 19,425,000 | 20,251,000 | 19,479,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,827,000 | 5,702,000 | 8,566,000 | 11,417,000 |
| Interest expense | 955,000 | 1,900,000 | 2,823,000 | 3,698,000 |
| Net interest income | 1,872,000 | 3,802,000 | 5,743,000 | 7,719,000 |
| Noninterest income | 225,000 | 462,000 | 797,000 | 1,134,000 |
| Noninterest expense | 1,238,000 | 2,395,000 | 3,534,000 | 4,954,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 800,000 |
| Pretax income | 709,000 | 1,569,000 | 2,556,000 | 3,099,000 |
| Income tax | 0 | 0 | -40,000 | -40,000 |
| Net income | 709,000 | 1,569,000 | 2,596,000 | 3,139,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,281,000 | 18,816,000 | 19,492,000 | 18,682,000 |
| Total capital | 20,224,000 | 20,741,000 | 21,505,000 | 20,721,000 |
| Risk-weighted assets | 155,140,000 | 156,445,000 | 160,661,000 | 162,698,000 |
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