Call reports 2014
RIVER VALLEY COMMUNITY BANK — 2014
What RIVER VALLEY COMMUNITY BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 174,883,000 | 182,018,000 | 197,517,000 | 210,987,000 |
| Total loans | 61,801,000 | 70,828,000 | 76,557,000 | 81,865,000 |
| Allowance for loan losses | 1,571,000 | 1,572,000 | 1,576,000 | 1,586,000 |
| Securities available for sale | 65,912,000 | 63,649,000 | 62,421,000 | 83,370,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 154,516,000 | 161,726,000 | 176,729,000 | 189,426,000 |
| Interest-bearing deposits | 114,094,000 | 117,742,000 | 132,862,000 | 130,381,000 |
| Noninterest-bearing deposits | 40,422,000 | 43,984,000 | 43,867,000 | 59,045,000 |
| Equity capital | 20,135,000 | 19,959,000 | 20,387,000 | 21,117,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,180,000 | 2,369,000 | 3,638,000 | 4,970,000 |
| Interest expense | 50,000 | 101,000 | 155,000 | 212,000 |
| Net interest income | 1,130,000 | 2,268,000 | 3,483,000 | 4,758,000 |
| Noninterest income | 95,000 | 194,000 | 301,000 | 403,000 |
| Noninterest expense | 950,000 | 1,860,000 | 2,796,000 | 3,702,000 |
| Provision for loan losses | 0 | 0 | 3,000 | 12,000 |
| Pretax income | 281,000 | 650,000 | 1,033,000 | 1,495,000 |
| Income tax | 59,000 | 150,000 | 252,000 | 384,000 |
| Net income | 222,000 | 500,000 | 781,000 | 1,111,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,838,000 | 19,534,000 | 19,856,000 | 20,511,000 |
| Total capital | 21,129,000 | 20,947,000 | 21,386,000 | 22,137,000 |
| Risk-weighted assets | 102,939,000 | 112,886,000 | 122,323,000 | 130,069,000 |