Call reports 2016
RIVERHILLS BANK — 2016
What RIVERHILLS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 136,830,000 | 136,865,000 | 138,364,000 | 140,825,000 |
| Total loans | 94,632,000 | 96,038,000 | 94,803,000 | 101,897,000 |
| Allowance for loan losses | 2,015,000 | 2,094,000 | 2,090,000 | 2,098,000 |
| Securities available for sale | 23,708,000 | 20,776,000 | 16,945,000 | 24,385,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 117,819,000 | 121,449,000 | 123,123,000 | 122,187,000 |
| Interest-bearing deposits | 85,332,000 | 81,180,000 | 81,792,000 | 81,490,000 |
| Noninterest-bearing deposits | 32,487,000 | 40,269,000 | 41,331,000 | 40,697,000 |
| Equity capital | 13,215,000 | 13,382,000 | 13,569,000 | 14,619,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,240,000 | 2,764,000 | 3,983,000 | 5,620,000 |
| Interest expense | 188,000 | 362,000 | 524,000 | 685,000 |
| Net interest income | 1,052,000 | 2,402,000 | 3,459,000 | 4,935,000 |
| Noninterest income | 399,000 | 683,000 | 1,106,000 | 1,518,000 |
| Noninterest expense | 1,197,000 | 2,445,000 | 3,750,000 | 4,954,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 102,000 |
| Pretax income | 263,000 | 619,000 | 908,000 | 1,467,000 |
| Income tax | 83,000 | 208,000 | 86,000 | 232,000 |
| Net income | 180,000 | 609,000 | 822,000 | 1,235,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,761,000 | 14,191,000 | 14,404,000 | 14,457,000 |
| Total capital | 15,315,000 | 15,762,000 | 15,944,000 | 16,075,000 |
| Risk-weighted assets | 123,922,000 | 125,293,000 | 122,677,000 | 129,019,000 |