Call reports 2016
RIVER VALLEY COMMUNITY BANK — 2016
What RIVER VALLEY COMMUNITY BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 246,271,000 | 253,636,000 | 278,222,000 | 321,191,000 |
| Total loans | 106,635,000 | 112,450,000 | 120,919,000 | 125,036,000 |
| Allowance for loan losses | 1,804,000 | 1,821,000 | 1,873,000 | 1,926,000 |
| Securities available for sale | 103,467,000 | 98,675,000 | 108,321,000 | 143,633,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 221,622,000 | 227,855,000 | 230,324,000 | 243,951,000 |
| Interest-bearing deposits | 147,659,000 | 150,967,000 | 151,117,000 | 156,719,000 |
| Noninterest-bearing deposits | 73,963,000 | 76,888,000 | 79,206,000 | 87,232,000 |
| Equity capital | 24,035,000 | 24,851,000 | 25,330,000 | 25,301,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,790,000 | 3,617,000 | 5,530,000 | 7,694,000 |
| Interest expense | 53,000 | 105,000 | 160,000 | 267,000 |
| Net interest income | 1,737,000 | 3,512,000 | 5,370,000 | 7,427,000 |
| Noninterest income | 125,000 | 250,000 | 377,000 | 502,000 |
| Noninterest expense | 1,058,000 | 2,191,000 | 3,265,000 | 4,367,000 |
| Provision for loan losses | 480,000 | 495,000 | 539,000 | 590,000 |
| Pretax income | 324,000 | 1,122,000 | 1,989,000 | 3,027,000 |
| Income tax | 76,000 | 351,000 | 655,000 | 1,045,000 |
| Net income | 248,000 | 771,000 | 1,334,000 | 1,982,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,407,000 | 23,959,000 | 24,617,000 | 25,314,000 |
| Total capital | 25,281,000 | 25,860,000 | 26,570,000 | 27,349,000 |
| Risk-weighted assets | 161,186,000 | 167,162,000 | 160,920,000 | 191,576,000 |