Call reports 2009
RIVERHILLS BANK — 2009
What RIVERHILLS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 114,645,000 | 117,474,000 | 122,155,000 | 126,970,000 |
| Total loans | 92,978,000 | 99,252,000 | 98,527,000 | 101,307,000 |
| Allowance for loan losses | 685,000 | 705,000 | 667,000 | 1,025,000 |
| Securities available for sale | 9,095,000 | 8,664,000 | 11,047,000 | 10,471,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,893,000 | 103,316,000 | 107,444,000 | 107,561,000 |
| Interest-bearing deposits | 82,730,000 | 86,166,000 | 89,043,000 | 88,810,000 |
| Noninterest-bearing deposits | 18,163,000 | 17,150,000 | 18,401,000 | 18,751,000 |
| Equity capital | 9,506,000 | 9,729,000 | 10,096,000 | 9,771,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,441,000 | 2,938,000 | 4,456,000 | 5,985,000 |
| Interest expense | 442,000 | 917,000 | 1,385,000 | 1,822,000 |
| Net interest income | 999,000 | 2,021,000 | 3,071,000 | 4,163,000 |
| Noninterest income | 423,000 | 936,000 | 1,448,000 | 1,893,000 |
| Noninterest expense | 1,082,000 | 2,273,000 | 3,406,000 | 4,541,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 620,000 |
| Pretax income | 310,000 | 624,000 | 1,023,000 | 895,000 |
| Income tax | 92,000 | 185,000 | 307,000 | 250,000 |
| Net income | 218,000 | 439,000 | 716,000 | 645,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,361,000 | 9,576,000 | 9,840,000 | 9,584,000 |
| Total capital | 10,046,000 | 10,281,000 | 10,507,000 | 10,609,000 |
| Risk-weighted assets | 93,111,000 | 97,428,000 | 97,433,000 | 99,721,000 |
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