Call reports 2009
RIVER VALLEY COMMUNITY BANK — 2009
What RIVER VALLEY COMMUNITY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 105,496,000 | 98,962,000 | 100,607,000 | 109,460,000 |
| Total loans | 35,116,000 | 35,896,000 | 41,233,000 | 45,381,000 |
| Allowance for loan losses | 690,000 | 835,000 | 985,000 | 1,135,000 |
| Securities available for sale | 43,711,000 | 50,139,000 | 49,457,000 | 51,282,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 90,800,000 | 83,702,000 | 84,185,000 | 93,370,000 |
| Interest-bearing deposits | 80,290,000 | 70,337,000 | 69,373,000 | 71,725,000 |
| Noninterest-bearing deposits | 10,510,000 | 13,365,000 | 14,813,000 | 21,645,000 |
| Equity capital | 14,240,000 | 14,660,000 | 15,483,000 | 15,443,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,053,000 | 2,160,000 | 3,317,000 | 4,518,000 |
| Interest expense | 245,000 | 466,000 | 663,000 | 846,000 |
| Net interest income | 808,000 | 1,694,000 | 2,654,000 | 3,672,000 |
| Noninterest income | 23,000 | 64,000 | 103,000 | 137,000 |
| Noninterest expense | 563,000 | 1,159,000 | 1,736,000 | 2,342,000 |
| Provision for loan losses | 150,000 | 296,000 | 445,000 | 595,000 |
| Pretax income | 118,000 | 321,000 | 626,000 | 1,024,000 |
| Income tax | 56,000 | 128,000 | 241,000 | 356,000 |
| Net income | 62,000 | 193,000 | 385,000 | 668,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,879,000 | 14,039,000 | 14,260,000 | 14,571,000 |
| Total capital | 14,591,000 | 14,775,000 | 15,053,000 | 15,418,000 |
| Risk-weighted assets | 60,192,000 | 58,767,000 | 63,248,000 | 66,997,000 |
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