Call reports 2019
RIVER VALLEY COMMUNITY BANK — 2019
What RIVER VALLEY COMMUNITY BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 383,330,000 | 402,722,000 | 419,262,000 | 442,292,000 |
| Total loans | 180,065,000 | 186,735,000 | 194,920,000 | 203,057,000 |
| Allowance for loan losses | 2,265,000 | 2,322,000 | 2,425,000 | 2,546,000 |
| Securities available for sale | 169,269,000 | 156,731,000 | 168,094,000 | 174,755,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 268,867,000 | 272,324,000 | 314,381,000 | 337,535,000 |
| Interest-bearing deposits | 169,119,000 | 177,248,000 | 213,438,000 | 209,357,000 |
| Noninterest-bearing deposits | 99,748,000 | 95,076,000 | 100,943,000 | 128,178,000 |
| Equity capital | 33,109,000 | 35,686,000 | 37,705,000 | 37,374,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 3,661,000 | 7,539,000 | 11,530,000 | 15,561,000 |
| Interest expense | 693,000 | 1,492,000 | 2,365,000 | 3,204,000 |
| Net interest income | 2,968,000 | 6,047,000 | 9,165,000 | 12,357,000 |
| Noninterest income | 132,000 | 279,000 | 437,000 | 604,000 |
| Noninterest expense | 1,799,000 | 3,577,000 | 5,366,000 | 7,272,000 |
| Provision for loan losses | 125,000 | 180,000 | 280,000 | 385,000 |
| Pretax income | 1,273,000 | 3,194,000 | 4,576,000 | 5,997,000 |
| Income tax | 332,000 | 847,000 | 1,224,000 | 1,616,000 |
| Net income | 941,000 | 2,347,000 | 3,352,000 | 4,381,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,495,000 | 33,602,000 | 34,406,000 | 35,136,000 |
| Total capital | 34,920,000 | 36,099,000 | 37,006,000 | 37,842,000 |
| Risk-weighted assets | 275,511,000 | 297,680,000 | 298,417,000 | 302,566,000 |