Call reports 2016
RIVERHILLS BANK — 2016
What RIVERHILLS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 316,005,000 | 306,524,000 | 322,950,000 | 318,018,000 |
| Total loans | 188,178,000 | 189,772,000 | 185,904,000 | 188,242,000 |
| Allowance for loan losses | 4,022,000 | 4,213,000 | 4,251,000 | 4,276,000 |
| Securities available for sale | 81,476,000 | 73,990,000 | 71,758,000 | 75,396,000 |
| Securities held to maturity | 3,000,000 | 3,000,000 | 3,000,000 | 3,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 256,402,000 | 246,814,000 | 253,733,000 | 250,396,000 |
| Interest-bearing deposits | 208,282,000 | 203,546,000 | 200,762,000 | 194,284,000 |
| Noninterest-bearing deposits | 48,120,000 | 43,268,000 | 52,971,000 | 56,112,000 |
| Equity capital | 28,104,000 | 28,712,000 | 29,330,000 | 28,164,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,630,000 | 5,366,000 | 8,090,000 | 10,827,000 |
| Interest expense | 437,000 | 888,000 | 1,358,000 | 1,851,000 |
| Net interest income | 2,193,000 | 4,478,000 | 6,732,000 | 8,976,000 |
| Noninterest income | 469,000 | 764,000 | 1,135,000 | 1,551,000 |
| Noninterest expense | 1,577,000 | 3,103,000 | 4,560,000 | 6,487,000 |
| Provision for loan losses | 120,000 | 240,000 | 315,000 | 390,000 |
| Pretax income | 965,000 | 1,940,000 | 3,033,000 | 3,691,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 965,000 | 1,940,000 | 3,033,000 | 3,691,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,104,000 | 28,518,000 | 29,211,000 | 28,469,000 |
| Total capital | 30,577,000 | 30,963,000 | 31,637,000 | 30,889,000 |
| Risk-weighted assets | 196,284,000 | 193,833,000 | 192,276,000 | 191,753,000 |