Call reports 2015
RIVER VALLEY COMMUNITY BANK — 2015
What RIVER VALLEY COMMUNITY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 223,699,000 | 226,119,000 | 217,660,000 | 237,295,000 |
| Total loans | 89,163,000 | 94,549,000 | 106,136,000 | 106,974,000 |
| Allowance for loan losses | 1,637,000 | 1,689,000 | 1,750,000 | 1,802,000 |
| Securities available for sale | 93,408,000 | 94,950,000 | 87,259,000 | 92,917,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 201,404,000 | 203,612,000 | 194,421,000 | 213,233,000 |
| Interest-bearing deposits | 140,517,000 | 142,039,000 | 133,931,000 | 137,436,000 |
| Noninterest-bearing deposits | 60,887,000 | 61,573,000 | 60,490,000 | 75,797,000 |
| Equity capital | 22,015,000 | 22,062,000 | 22,700,000 | 23,433,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,464,000 | 3,021,000 | 4,675,000 | 6,426,000 |
| Interest expense | 59,000 | 113,000 | 164,000 | 215,000 |
| Net interest income | 1,405,000 | 2,908,000 | 4,511,000 | 6,211,000 |
| Noninterest income | 97,000 | 205,000 | 326,000 | 433,000 |
| Noninterest expense | 972,000 | 1,945,000 | 2,906,000 | 3,912,000 |
| Provision for loan losses | 50,000 | 100,000 | 160,000 | 210,000 |
| Pretax income | 474,000 | 1,067,000 | 1,818,000 | 2,585,000 |
| Income tax | 133,000 | 337,000 | 596,000 | 855,000 |
| Net income | 341,000 | 730,000 | 1,222,000 | 1,730,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,193,000 | 21,689,000 | 22,200,000 | 23,124,000 |
| Total capital | 22,900,000 | 23,453,000 | 24,020,000 | 24,996,000 |
| Risk-weighted assets | 136,990,000 | 141,577,000 | 150,706,000 | 152,458,000 |