Call reports 2023
RIVERHILLS BANK — 2023
What RIVERHILLS BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 324,826,000 | 326,019,000 | 321,599,000 | 333,803,000 |
| Total loans | 206,230,000 | 209,226,000 | 213,660,000 | 225,933,000 |
| Allowance for loan losses | 2,865,000 | 2,923,000 | 2,981,000 | 3,046,000 |
| Securities available for sale | 101,124,000 | 97,060,000 | 88,599,000 | 85,199,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 247,139,000 | 231,068,000 | 243,368,000 | 246,967,000 |
| Interest-bearing deposits | 181,584,000 | 173,469,000 | 186,378,000 | 191,659,000 |
| Noninterest-bearing deposits | 65,555,000 | 57,599,000 | 56,990,000 | 55,308,000 |
| Equity capital | 24,093,000 | 25,732,000 | 26,792,000 | 27,280,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 4,447,000 | 9,391,000 | 14,153,000 | 19,177,000 |
| Interest expense | 1,091,000 | 2,368,000 | 3,805,000 | 5,239,000 |
| Net interest income | 3,356,000 | 7,023,000 | 10,348,000 | 13,938,000 |
| Noninterest income | 437,000 | 905,000 | 1,410,000 | 1,835,000 |
| Noninterest expense | 2,870,000 | 5,772,000 | 8,617,000 | 11,321,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 989,000 | 2,199,000 | 3,141,000 | 4,440,000 |
| Income tax | 121,000 | 290,000 | 400,000 | 578,000 |
| Net income | 868,000 | 1,909,000 | 2,741,000 | 3,862,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,875,000 | 27,917,000 | 28,748,000 | 29,320,000 |
| Total capital | 29,740,000 | 30,840,000 | 31,729,000 | 32,366,000 |
| Risk-weighted assets | 260,557,000 | 264,694,000 | 265,773,000 | 265,945,000 |