Call reports 2008
RIVER VALLEY COMMUNITY BANK — 2008
What RIVER VALLEY COMMUNITY BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 69,307,000 | 69,521,000 | 75,551,000 | 96,615,000 |
| Total loans | 22,823,000 | 29,427,000 | 31,245,000 | 35,415,000 |
| Allowance for loan losses | 315,000 | 380,000 | 455,000 | 540,000 |
| Securities available for sale | 34,158,000 | 30,123,000 | 34,865,000 | 38,017,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,340,000 | 56,078,000 | 61,540,000 | 81,836,000 |
| Interest-bearing deposits | 47,492,000 | 44,698,000 | 45,342,000 | 67,081,000 |
| Noninterest-bearing deposits | 7,849,000 | 11,380,000 | 16,198,000 | 14,755,000 |
| Equity capital | 13,580,000 | 13,279,000 | 13,711,000 | 14,255,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 921,000 | 1,817,000 | 2,770,000 | 3,772,000 |
| Interest expense | 306,000 | 520,000 | 714,000 | 966,000 |
| Net interest income | 615,000 | 1,297,000 | 2,056,000 | 2,806,000 |
| Noninterest income | 24,000 | 51,000 | 72,000 | 103,000 |
| Noninterest expense | 506,000 | 1,018,000 | 1,568,000 | 2,092,000 |
| Provision for loan losses | 41,000 | 106,000 | 181,000 | 266,000 |
| Pretax income | 92,000 | 224,000 | 379,000 | 575,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | 91,000 | 223,000 | 378,000 | 574,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,209,000 | 13,374,000 | 13,559,000 | 13,787,000 |
| Total capital | 13,544,000 | 13,776,000 | 14,037,000 | 14,347,000 |
| Risk-weighted assets | 37,102,000 | 42,155,000 | 44,290,000 | 51,322,000 |
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