Call reports 2008
RIVERHILLS BANK — 2008
What RIVERHILLS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 97,083,000 | 99,215,000 | 103,358,000 | 111,791,000 |
| Total loans | 80,647,000 | 83,872,000 | 85,369,000 | 92,079,000 |
| Allowance for loan losses | 642,000 | 666,000 | 673,000 | 687,000 |
| Securities available for sale | 6,419,000 | 6,251,000 | 6,677,000 | 9,099,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,526,000 | 87,286,000 | 90,643,000 | 96,228,000 |
| Interest-bearing deposits | 71,075,000 | 69,386,000 | 74,942,000 | 79,367,000 |
| Noninterest-bearing deposits | 15,451,000 | 17,900,000 | 15,701,000 | 16,861,000 |
| Equity capital | 8,096,000 | 8,169,000 | 8,347,000 | 9,288,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,542,000 | 3,054,000 | 4,560,000 | 6,102,000 |
| Interest expense | 588,000 | 1,098,000 | 1,603,000 | 2,157,000 |
| Net interest income | 954,000 | 1,956,000 | 2,957,000 | 3,945,000 |
| Noninterest income | 353,000 | 759,000 | 1,148,000 | 1,495,000 |
| Noninterest expense | 1,137,000 | 2,332,000 | 3,460,000 | 4,478,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 155,000 | 353,000 | 600,000 | 902,000 |
| Income tax | 36,000 | 86,000 | 163,000 | 252,000 |
| Net income | 119,000 | 267,000 | 437,000 | 650,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,967,000 | 8,113,000 | 8,284,000 | 9,147,000 |
| Total capital | 8,609,000 | 8,779,000 | 8,957,000 | 9,834,000 |
| Risk-weighted assets | 80,039,000 | 84,457,000 | 84,792,000 | 91,637,000 |
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