Call reports 2011
RIVER VALLEY COMMUNITY BANK — 2011
What RIVER VALLEY COMMUNITY BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 142,835,000 | 138,793,000 | 131,972,000 | 139,832,000 |
| Total loans | 41,043,000 | 42,464,000 | 42,394,000 | 46,924,000 |
| Allowance for loan losses | 1,536,000 | 1,537,000 | 1,584,000 | 1,594,000 |
| Securities available for sale | 74,356,000 | 80,928,000 | 79,164,000 | 73,504,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 125,823,000 | 120,546,000 | 112,719,000 | 121,160,000 |
| Interest-bearing deposits | 99,930,000 | 98,811,000 | 93,233,000 | 88,422,000 |
| Noninterest-bearing deposits | 25,893,000 | 21,735,000 | 19,486,000 | 32,738,000 |
| Equity capital | 16,472,000 | 17,402,000 | 18,035,000 | 18,318,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,233,000 | 2,520,000 | 3,841,000 | 5,060,000 |
| Interest expense | 122,000 | 236,000 | 347,000 | 446,000 |
| Net interest income | 1,111,000 | 2,284,000 | 3,494,000 | 4,614,000 |
| Noninterest income | 42,000 | 84,000 | 128,000 | 177,000 |
| Noninterest expense | 700,000 | 1,417,000 | 2,132,000 | 2,813,000 |
| Provision for loan losses | 90,000 | 90,000 | 140,000 | 190,000 |
| Pretax income | 366,000 | 895,000 | 1,389,000 | 1,841,000 |
| Income tax | 116,000 | 287,000 | 441,000 | 585,000 |
| Net income | 250,000 | 608,000 | 948,000 | 1,256,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,979,000 | 16,362,000 | 16,726,000 | 17,073,000 |
| Total capital | 16,903,000 | 17,228,000 | 17,583,000 | 17,970,000 |
| Risk-weighted assets | 73,256,000 | 68,608,000 | 67,830,000 | 71,020,000 |