Call reports 2012
RIVERHILLS BANK — 2012
What RIVERHILLS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 129,950,000 | 127,434,000 | 131,564,000 | 126,772,000 |
| Total loans | 98,371,000 | 97,208,000 | 96,400,000 | 93,119,000 |
| Allowance for loan losses | 1,235,000 | 1,311,000 | 1,395,000 | 1,486,000 |
| Securities available for sale | 19,665,000 | 20,959,000 | 22,043,000 | 22,680,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,723,000 | 110,535,000 | 113,848,000 | 107,701,000 |
| Interest-bearing deposits | 91,764,000 | 88,563,000 | 88,046,000 | 85,623,000 |
| Noninterest-bearing deposits | 21,959,000 | 21,972,000 | 25,802,000 | 22,078,000 |
| Equity capital | 11,409,000 | 11,747,000 | 12,089,000 | 11,646,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,389,000 | 2,754,000 | 4,076,000 | 5,403,000 |
| Interest expense | 206,000 | 413,000 | 618,000 | 812,000 |
| Net interest income | 1,183,000 | 2,341,000 | 3,458,000 | 4,591,000 |
| Noninterest income | 569,000 | 994,000 | 1,547,000 | 1,997,000 |
| Noninterest expense | 1,309,000 | 2,364,000 | 3,523,000 | 4,746,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 560,000 |
| Pretax income | 431,000 | 968,000 | 1,516,000 | 1,593,000 |
| Income tax | 8,000 | 183,000 | 365,000 | 386,000 |
| Net income | 423,000 | 785,000 | 1,151,000 | 1,207,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,167,000 | 11,527,000 | 11,891,000 | 11,535,000 |
| Total capital | 12,403,000 | 12,838,000 | 13,118,000 | 12,745,000 |
| Risk-weighted assets | 104,198,000 | 106,471,000 | 98,008,000 | 96,501,000 |