Call reports 2020
RIVER VALLEY COMMUNITY BANK — 2020
What RIVER VALLEY COMMUNITY BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 468,725,000 | 514,718,000 | 531,019,000 | 496,480,000 |
| Total loans | 205,728,000 | 259,522,000 | 263,621,000 | 257,741,000 |
| Allowance for loan losses | 2,768,000 | 3,518,000 | 3,518,000 | 3,470,000 |
| Securities available for sale | 176,005,000 | 180,043,000 | 181,460,000 | 168,939,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 342,294,000 | 387,479,000 | 401,143,000 | 445,528,000 |
| Interest-bearing deposits | 221,159,000 | 229,862,000 | 249,248,000 | 245,416,000 |
| Noninterest-bearing deposits | 121,135,000 | 157,617,000 | 151,895,000 | 200,112,000 |
| Equity capital | 38,936,000 | 43,044,000 | 45,317,000 | 46,410,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 3,977,000 | 7,922,000 | 11,855,000 | 15,942,000 |
| Interest expense | 733,000 | 1,180,000 | 1,546,000 | 1,775,000 |
| Net interest income | 3,244,000 | 6,742,000 | 10,309,000 | 14,167,000 |
| Noninterest income | 152,000 | 283,000 | 605,000 | 796,000 |
| Noninterest expense | 3,036,000 | 4,992,000 | 7,006,000 | 10,442,000 |
| Provision for loan losses | 250,000 | 1,000,000 | 1,000,000 | 1,000,000 |
| Pretax income | 1,148,000 | 2,071,000 | 3,946,000 | 5,985,000 |
| Income tax | 313,000 | 539,000 | 1,042,000 | 1,594,000 |
| Net income | 835,000 | 1,532,000 | 2,904,000 | 4,391,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,971,000 | 36,668,000 | 38,040,000 | 39,527,000 |
| Total capital | 38,944,000 | 40,376,000 | 41,748,000 | 43,187,000 |
| Risk-weighted assets | 304,613,000 | 297,674,000 | 301,511,000 | 297,821,000 |