Call reports 2010
RIVER VALLEY COMMUNITY BANK — 2010
What RIVER VALLEY COMMUNITY BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 120,182,000 | 111,124,000 | 123,870,000 | 136,169,000 |
| Total loans | 41,234,000 | 41,554,000 | 42,841,000 | 43,461,000 |
| Allowance for loan losses | 1,285,000 | 1,336,000 | 1,289,000 | 1,439,000 |
| Securities available for sale | 50,436,000 | 57,322,000 | 63,613,000 | 64,802,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 103,590,000 | 94,494,000 | 106,458,000 | 119,411,000 |
| Interest-bearing deposits | 86,103,000 | 78,486,000 | 84,891,000 | 92,896,000 |
| Noninterest-bearing deposits | 17,487,000 | 16,008,000 | 21,567,000 | 26,515,000 |
| Equity capital | 15,761,000 | 16,140,000 | 16,622,000 | 16,324,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,195,000 | 2,376,000 | 3,598,000 | 4,859,000 |
| Interest expense | 164,000 | 315,000 | 461,000 | 600,000 |
| Net interest income | 1,031,000 | 2,061,000 | 3,137,000 | 4,259,000 |
| Noninterest income | 33,000 | 74,000 | 115,000 | 156,000 |
| Noninterest expense | 614,000 | 1,222,000 | 1,890,000 | 2,503,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 600,000 |
| Pretax income | 373,000 | 696,000 | 995,000 | 1,411,000 |
| Income tax | 120,000 | 186,000 | 237,000 | 369,000 |
| Net income | 253,000 | 510,000 | 758,000 | 1,042,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,857,000 | 15,133,000 | 15,400,000 | 15,705,000 |
| Total capital | 15,705,000 | 15,958,000 | 16,259,000 | 16,625,000 |
| Risk-weighted assets | 67,410,000 | 65,448,000 | 68,266,000 | 73,017,000 |