Call reports 2013
RIVER VALLEY COMMUNITY BANK — 2013
What RIVER VALLEY COMMUNITY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 157,781,000 | 146,941,000 | 148,073,000 | 166,442,000 |
| Total loans | 53,965,000 | 59,288,000 | 60,114,000 | 63,317,000 |
| Allowance for loan losses | 1,565,000 | 1,565,000 | 1,567,000 | 1,569,000 |
| Securities available for sale | 69,610,000 | 64,751,000 | 62,207,000 | 61,953,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 137,876,000 | 127,273,000 | 128,285,000 | 146,365,000 |
| Interest-bearing deposits | 110,473,000 | 100,337,000 | 96,861,000 | 99,413,000 |
| Noninterest-bearing deposits | 27,403,000 | 26,936,000 | 31,423,000 | 46,952,000 |
| Equity capital | 19,632,000 | 19,384,000 | 19,519,000 | 19,766,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,152,000 | 2,353,000 | 3,486,000 | 4,643,000 |
| Interest expense | 61,000 | 116,000 | 165,000 | 213,000 |
| Net interest income | 1,091,000 | 2,237,000 | 3,321,000 | 4,430,000 |
| Noninterest income | 83,000 | 174,000 | 284,000 | 378,000 |
| Noninterest expense | 776,000 | 1,514,000 | 2,342,000 | 3,208,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 450,000 | 961,000 | 1,327,000 | 1,664,000 |
| Income tax | 116,000 | 261,000 | 348,000 | 418,000 |
| Net income | 334,000 | 700,000 | 979,000 | 1,246,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,454,000 | 18,874,000 | 19,199,000 | 19,575,000 |
| Total capital | 19,576,000 | 20,026,000 | 20,386,000 | 20,860,000 |
| Risk-weighted assets | 89,328,000 | 91,683,000 | 94,566,000 | 102,473,000 |