Call reports 2012
RIVER VALLEY COMMUNITY BANK — 2012
What RIVER VALLEY COMMUNITY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 142,893,000 | 140,795,000 | 143,522,000 | 151,267,000 |
| Total loans | 50,164,000 | 52,902,000 | 56,269,000 | 55,236,000 |
| Allowance for loan losses | 1,596,000 | 1,563,000 | 1,564,000 | 1,565,000 |
| Securities available for sale | 73,828,000 | 69,292,000 | 65,945,000 | 63,756,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 124,111,000 | 121,324,000 | 123,193,000 | 130,376,000 |
| Interest-bearing deposits | 102,531,000 | 99,467,000 | 97,386,000 | 95,200,000 |
| Noninterest-bearing deposits | 21,580,000 | 21,857,000 | 25,807,000 | 35,176,000 |
| Equity capital | 18,472,000 | 19,120,000 | 19,684,000 | 19,517,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,251,000 | 2,500,000 | 3,742,000 | 4,951,000 |
| Interest expense | 92,000 | 182,000 | 266,000 | 335,000 |
| Net interest income | 1,159,000 | 2,318,000 | 3,476,000 | 4,616,000 |
| Noninterest income | 52,000 | 110,000 | 216,000 | 297,000 |
| Noninterest expense | 729,000 | 1,515,000 | 2,258,000 | 2,952,000 |
| Provision for loan losses | 0 | -33,000 | -33,000 | 0 |
| Pretax income | 482,000 | 1,082,000 | 1,603,000 | 2,097,000 |
| Income tax | 146,000 | 351,000 | 514,000 | 645,000 |
| Net income | 336,000 | 731,000 | 1,089,000 | 1,452,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,424,000 | 17,842,000 | 18,222,000 | 18,101,000 |
| Total capital | 18,376,000 | 18,823,000 | 19,290,000 | 19,175,000 |
| Risk-weighted assets | 75,627,000 | 77,840,000 | 84,952,000 | 85,407,000 |