Call reports 2013
RIVERHILLS BANK — 2013
What RIVERHILLS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 126,331,000 | 127,249,000 | 127,035,000 | 127,807,000 |
| Total loans | 89,945,000 | 88,244,000 | 86,584,000 | 83,864,000 |
| Allowance for loan losses | 1,567,000 | 1,643,000 | 1,598,000 | 1,655,000 |
| Securities available for sale | 21,008,000 | 29,476,000 | 29,640,000 | 26,036,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 108,730,000 | 106,351,000 | 109,638,000 | 111,187,000 |
| Interest-bearing deposits | 87,014,000 | 85,215,000 | 87,823,000 | 84,562,000 |
| Noninterest-bearing deposits | 21,716,000 | 21,136,000 | 21,815,000 | 26,625,000 |
| Equity capital | 12,132,000 | 12,087,000 | 12,108,000 | 12,362,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,255,000 | 2,429,000 | 3,604,000 | 4,644,000 |
| Interest expense | 172,000 | 344,000 | 511,000 | 671,000 |
| Net interest income | 1,083,000 | 2,085,000 | 3,093,000 | 3,973,000 |
| Noninterest income | 412,000 | 839,000 | 1,210,000 | 1,556,000 |
| Noninterest expense | 1,161,000 | 2,364,000 | 3,489,000 | 4,789,000 |
| Provision for loan losses | 90,000 | 180,000 | 210,000 | 300,000 |
| Pretax income | 305,000 | 843,000 | 1,107,000 | 1,245,000 |
| Income tax | 100,000 | 164,000 | 251,000 | 295,000 |
| Net income | 205,000 | 679,000 | 856,000 | 950,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,739,000 | 12,213,000 | 12,389,000 | 12,385,000 |
| Total capital | 12,917,000 | 13,528,000 | 13,831,000 | 13,755,000 |
| Risk-weighted assets | 93,871,000 | 104,833,000 | 115,190,000 | 109,298,000 |
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