Call reports 2012
RIVERHILLS BANK — 2012
What RIVERHILLS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 273,008,000 | 271,729,000 | 281,033,000 | 280,027,000 |
| Total loans | 156,020,000 | 158,555,000 | 157,580,000 | 158,057,000 |
| Allowance for loan losses | 3,334,000 | 3,309,000 | 3,460,000 | 3,554,000 |
| Securities available for sale | 71,624,000 | 81,502,000 | 81,964,000 | 93,951,000 |
| Securities held to maturity | 6,663,000 | 6,492,000 | 6,189,000 | 5,699,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 236,123,000 | 229,935,000 | 235,220,000 | 232,765,000 |
| Interest-bearing deposits | 201,747,000 | 191,870,000 | 194,952,000 | 192,667,000 |
| Noninterest-bearing deposits | 34,376,000 | 38,065,000 | 40,268,000 | 40,098,000 |
| Equity capital | 22,815,000 | 23,747,000 | 24,688,000 | 23,979,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,591,000 | 5,293,000 | 7,945,000 | 10,551,000 |
| Interest expense | 617,000 | 1,205,000 | 1,771,000 | 2,342,000 |
| Net interest income | 1,974,000 | 4,088,000 | 6,174,000 | 8,209,000 |
| Noninterest income | 325,000 | 751,000 | 1,049,000 | 1,156,000 |
| Noninterest expense | 1,300,000 | 2,555,000 | 3,780,000 | 5,322,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 600,000 |
| Pretax income | 849,000 | 1,984,000 | 2,993,000 | 3,443,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 849,000 | 1,984,000 | 2,993,000 | 3,443,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,261,000 | 23,146,000 | 23,904,000 | 23,365,000 |
| Total capital | 24,382,000 | 25,323,000 | 26,111,000 | 25,568,000 |
| Risk-weighted assets | 168,465,000 | 173,001,000 | 175,287,000 | 174,879,000 |