Call reports 2014
RIVERHILLS BANK — 2014
What RIVERHILLS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 127,556,000 | 121,912,000 | 129,568,000 | 121,124,000 |
| Total loans | 82,449,000 | 82,012,000 | 85,204,000 | 83,969,000 |
| Allowance for loan losses | 1,716,000 | 1,831,000 | 1,897,000 | 1,910,000 |
| Securities available for sale | 26,324,000 | 22,726,000 | 25,301,000 | 25,096,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 110,905,000 | 106,389,000 | 111,878,000 | 105,186,000 |
| Interest-bearing deposits | 85,542,000 | 79,694,000 | 86,491,000 | 80,251,000 |
| Noninterest-bearing deposits | 25,363,000 | 26,695,000 | 25,387,000 | 24,935,000 |
| Equity capital | 12,499,000 | 13,004,000 | 13,412,000 | 13,190,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,075,000 | 2,163,000 | 3,299,000 | 4,431,000 |
| Interest expense | 145,000 | 297,000 | 456,000 | 622,000 |
| Net interest income | 930,000 | 1,866,000 | 2,843,000 | 3,809,000 |
| Noninterest income | 330,000 | 722,000 | 1,124,000 | 1,498,000 |
| Noninterest expense | 1,110,000 | 2,104,000 | 3,302,000 | 4,564,000 |
| Provision for loan losses | 90,000 | 150,000 | 195,000 | 225,000 |
| Pretax income | 181,000 | 639,000 | 775,000 | 924,000 |
| Income tax | 22,000 | 162,000 | 143,000 | 154,000 |
| Net income | 159,000 | 477,000 | 632,000 | 770,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,546,000 | 12,864,000 | 13,017,000 | 12,958,000 |
| Total capital | 13,851,000 | 14,202,000 | 14,371,000 | 14,206,000 |
| Risk-weighted assets | 103,954,000 | 106,507,000 | 107,814,000 | 99,168,000 |
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