Call reports 2025
RIVERHILLS BANK — 2025
What RIVERHILLS BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 321,143,000 | 327,202,000 | 342,805,000 | 343,601,000 |
| Total loans | 262,231,000 | 265,511,000 | 273,561,000 | 272,248,000 |
| Allowance for loan losses | 3,480,000 | 3,541,000 | 3,601,000 | 3,676,000 |
| Securities available for sale | 42,337,000 | 41,435,000 | 36,799,000 | 36,544,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 271,207,000 | 291,645,000 | 305,902,000 | 307,156,000 |
| Interest-bearing deposits | 211,119,000 | 217,562,000 | 233,347,000 | 232,343,000 |
| Noninterest-bearing deposits | 60,088,000 | 74,083,000 | 72,555,000 | 74,813,000 |
| Equity capital | 32,041,000 | 33,149,000 | 34,044,000 | 34,104,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 4,250,000 | 8,880,000 | 13,385,000 | 18,513,000 |
| Interest expense | 1,209,000 | 2,290,000 | 3,444,000 | 4,605,000 |
| Net interest income | 3,041,000 | 6,590,000 | 9,941,000 | 13,908,000 |
| Noninterest income | 561,000 | 1,168,000 | 1,882,000 | 2,489,000 |
| Noninterest expense | 2,698,000 | 5,411,000 | 8,359,000 | 11,267,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 855,000 | 2,249,000 | 3,321,000 | 4,934,000 |
| Income tax | 132,000 | 367,000 | 522,000 | 770,000 |
| Net income | 723,000 | 1,882,000 | 2,799,000 | 4,164,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,382,000 | 33,541,000 | 34,457,000 | 34,619,000 |
| Total capital | 35,773,000 | 36,815,000 | 37,753,000 | 37,931,000 |
| Risk-weighted assets | 271,194,000 | 261,726,000 | 263,386,000 | 264,606,000 |