Call reports 2015
RIVERHILLS BANK — 2015
What RIVERHILLS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 308,577,000 | 298,689,000 | 288,213,000 | 297,491,000 |
| Total loans | 176,830,000 | 181,946,000 | 183,187,000 | 186,685,000 |
| Allowance for loan losses | 4,041,000 | 4,144,000 | 4,155,000 | 4,012,000 |
| Securities available for sale | 77,768,000 | 78,599,000 | 78,361,000 | 75,893,000 |
| Securities held to maturity | 3,813,000 | 3,614,000 | 3,412,000 | 3,207,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 253,707,000 | 242,956,000 | 229,355,000 | 239,058,000 |
| Interest-bearing deposits | 207,619,000 | 198,809,000 | 184,875,000 | 113,716,000 |
| Noninterest-bearing deposits | 46,088,000 | 44,147,000 | 44,480,000 | 125,342,000 |
| Equity capital | 26,828,000 | 27,246,000 | 28,136,000 | 27,392,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,425,000 | 5,032,000 | 7,696,000 | 10,383,000 |
| Interest expense | 408,000 | 831,000 | 1,257,000 | 1,692,000 |
| Net interest income | 2,017,000 | 4,201,000 | 6,439,000 | 8,691,000 |
| Noninterest income | 336,000 | 704,000 | 1,089,000 | 1,744,000 |
| Noninterest expense | 1,389,000 | 2,803,000 | 4,198,000 | 6,314,000 |
| Provision for loan losses | 105,000 | 210,000 | 315,000 | 420,000 |
| Pretax income | 859,000 | 1,892,000 | 3,015,000 | 3,707,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 859,000 | 1,892,000 | 3,015,000 | 3,707,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,630,000 | 27,246,000 | 27,986,000 | 27,392,000 |
| Total capital | 28,942,000 | 29,615,000 | 30,372,000 | 29,824,000 |
| Risk-weighted assets | 183,257,000 | 187,760,000 | 189,118,000 | 192,999,000 |