Call reports 2007
RIVER VALLEY COMMUNITY BANK — 2007
What RIVER VALLEY COMMUNITY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 45,710,000 | 45,282,000 | 61,772,000 | 69,417,000 |
| Total loans | 10,158,000 | 14,853,000 | 17,961,000 | 20,102,000 |
| Allowance for loan losses | 126,000 | 180,000 | 227,000 | 274,000 |
| Securities available for sale | 0 | 6,053,000 | 28,125,000 | 31,442,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,593,000 | 32,230,000 | 48,556,000 | 55,818,000 |
| Interest-bearing deposits | 28,428,000 | 27,805,000 | 39,220,000 | 39,845,000 |
| Noninterest-bearing deposits | 4,165,000 | 4,425,000 | 9,337,000 | 15,973,000 |
| Equity capital | 12,989,000 | 12,921,000 | 13,065,000 | 13,301,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 535,000 | 1,191,000 | 1,985,000 | 2,904,000 |
| Interest expense | 203,000 | 456,000 | 755,000 | 1,124,000 |
| Net interest income | 332,000 | 735,000 | 1,230,000 | 1,780,000 |
| Noninterest income | 19,000 | 36,000 | 53,000 | 71,000 |
| Noninterest expense | 426,000 | 870,000 | 1,318,000 | 1,772,000 |
| Provision for loan losses | 54,000 | 109,000 | 156,000 | 203,000 |
| Pretax income | -129,000 | -208,000 | -191,000 | -124,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | -130,000 | -209,000 | -192,000 | -125,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,989,000 | 12,940,000 | 12,989,000 | 13,087,000 |
| Total capital | 13,127,000 | 13,136,000 | 13,235,000 | 13,380,000 |
| Risk-weighted assets | 18,805,000 | 24,608,000 | 31,248,000 | 34,910,000 |
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