Call reports 2013
RIVERHILLS BANK — 2013
What RIVERHILLS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 292,673,000 | 281,891,000 | 278,021,000 | 290,328,000 |
| Total loans | 160,525,000 | 159,531,000 | 161,996,000 | 164,013,000 |
| Allowance for loan losses | 3,705,000 | 3,787,000 | 3,803,000 | 3,917,000 |
| Securities available for sale | 91,900,000 | 91,974,000 | 91,484,000 | 93,016,000 |
| Securities held to maturity | 5,521,000 | 5,341,000 | 5,018,000 | 4,833,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 242,132,000 | 230,540,000 | 226,024,000 | 241,400,000 |
| Interest-bearing deposits | 203,659,000 | 194,891,000 | 180,736,000 | 190,067,000 |
| Noninterest-bearing deposits | 38,473,000 | 35,649,000 | 45,288,000 | 51,333,000 |
| Equity capital | 24,503,000 | 25,005,000 | 25,331,000 | 25,220,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,535,000 | 5,048,000 | 7,587,000 | 10,208,000 |
| Interest expense | 557,000 | 1,095,000 | 1,593,000 | 2,059,000 |
| Net interest income | 1,978,000 | 3,953,000 | 5,994,000 | 8,149,000 |
| Noninterest income | 314,000 | 651,000 | 987,000 | 1,274,000 |
| Noninterest expense | 1,360,000 | 2,597,000 | 3,933,000 | 5,548,000 |
| Provision for loan losses | 150,000 | 300,000 | 375,000 | 450,000 |
| Pretax income | 782,000 | 1,707,000 | 2,738,000 | 3,490,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 782,000 | 1,707,000 | 2,738,000 | 3,490,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,847,000 | 24,528,000 | 25,334,000 | 24,946,000 |
| Total capital | 26,068,000 | 26,742,000 | 27,578,000 | 27,226,000 |
| Risk-weighted assets | 176,204,000 | 175,572,000 | 177,978,000 | 180,802,000 |
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