Call reports 2007
RIVERHILLS BANK — 2007
What RIVERHILLS BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 81,026,000 | 86,778,000 | 89,408,000 | 94,895,000 |
| Total loans | 67,659,000 | 73,644,000 | 76,220,000 | 81,299,000 |
| Allowance for loan losses | 705,000 | 705,000 | 651,000 | 644,000 |
| Securities available for sale | 5,836,000 | 5,777,000 | 5,715,000 | 6,372,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,664,000 | 77,522,000 | 79,328,000 | 78,521,000 |
| Interest-bearing deposits | 55,051,000 | 60,046,000 | 60,905,000 | 62,041,000 |
| Noninterest-bearing deposits | 16,613,000 | 17,476,000 | 18,423,000 | 16,480,000 |
| Equity capital | 7,701,000 | 7,737,000 | 7,712,000 | 7,918,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,379,000 | 2,853,000 | 4,436,000 | 6,028,000 |
| Interest expense | 444,000 | 957,000 | 1,562,000 | 2,176,000 |
| Net interest income | 935,000 | 1,896,000 | 2,874,000 | 3,852,000 |
| Noninterest income | 296,000 | 655,000 | 852,000 | 1,249,000 |
| Noninterest expense | 967,000 | 1,985,000 | 3,010,000 | 4,122,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 264,000 | 566,000 | 716,000 | 979,000 |
| Income tax | 75,000 | 162,000 | 197,000 | 273,000 |
| Net income | 189,000 | 404,000 | 519,000 | 706,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,639,000 | 7,702,000 | 7,665,000 | 7,848,000 |
| Total capital | 8,342,000 | 8,406,000 | 8,315,000 | 8,492,000 |
| Risk-weighted assets | 69,310,000 | 72,454,000 | 77,986,000 | 79,722,000 |
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