Call reports 2015
RIVERHILLS BANK — 2015
What RIVERHILLS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 125,985,000 | 121,310,000 | 129,401,000 | 130,932,000 |
| Total loans | 72,715,000 | 78,575,000 | 89,315,000 | 94,617,000 |
| Allowance for loan losses | 1,937,000 | 1,949,000 | 1,972,000 | 1,995,000 |
| Securities available for sale | 29,064,000 | 29,057,000 | 29,278,000 | 26,329,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,014,000 | 106,145,000 | 111,043,000 | 114,918,000 |
| Interest-bearing deposits | 82,394,000 | 80,039,000 | 81,678,000 | 82,370,000 |
| Noninterest-bearing deposits | 26,620,000 | 26,106,000 | 29,365,000 | 32,548,000 |
| Equity capital | 13,322,000 | 13,202,000 | 13,211,000 | 13,076,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,103,000 | 2,215,000 | 3,381,000 | 4,733,000 |
| Interest expense | 158,000 | 317,000 | 478,000 | 665,000 |
| Net interest income | 945,000 | 1,898,000 | 2,903,000 | 4,068,000 |
| Noninterest income | 380,000 | 788,000 | 1,181,000 | 1,491,000 |
| Noninterest expense | 1,130,000 | 2,427,000 | 3,583,000 | 4,823,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 165,000 | 200,000 | 412,000 | 696,000 |
| Income tax | -10,000 | -36,000 | -1,000 | 54,000 |
| Net income | 175,000 | 236,000 | 413,000 | 642,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,197,000 | 13,258,000 | 13,435,000 | 13,582,000 |
| Total capital | 14,851,000 | 14,628,000 | 14,911,000 | 15,171,000 |
| Risk-weighted assets | 132,096,000 | 109,091,000 | 117,592,000 | 126,784,000 |