Call reports 2021
RIVER VALLEY COMMUNITY BANK — 2021
What RIVER VALLEY COMMUNITY BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 506,697,000 | 503,126,000 | 527,556,000 | 600,654,000 |
| Total loans | 258,504,000 | 257,412,000 | 242,794,000 | 250,028,000 |
| Allowance for loan losses | 3,362,000 | 3,362,000 | 3,362,000 | 3,513,000 |
| Securities available for sale | 169,698,000 | 171,710,000 | 200,099,000 | 227,775,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 458,476,000 | 451,451,000 | 475,761,000 | 548,522,000 |
| Interest-bearing deposits | 267,758,000 | 278,261,000 | 286,053,000 | 317,197,000 |
| Noninterest-bearing deposits | 190,718,000 | 173,190,000 | 189,708,000 | 231,325,000 |
| Equity capital | 45,026,000 | 47,711,000 | 48,165,000 | 48,730,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 3,988,000 | 8,059,000 | 12,230,000 | 16,520,000 |
| Interest expense | 160,000 | 317,000 | 470,000 | 617,000 |
| Net interest income | 3,828,000 | 7,742,000 | 11,760,000 | 15,903,000 |
| Noninterest income | 186,000 | 361,000 | 524,000 | 764,000 |
| Noninterest expense | 2,299,000 | 4,504,000 | 6,718,000 | 8,960,000 |
| Provision for loan losses | 0 | 0 | 0 | 151,000 |
| Pretax income | 1,805,000 | 3,689,000 | 5,656,000 | 7,652,000 |
| Income tax | 497,000 | 1,017,000 | 1,551,000 | 2,085,000 |
| Net income | 1,308,000 | 2,672,000 | 4,105,000 | 5,567,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,835,000 | 42,199,000 | 43,633,000 | 45,093,000 |
| Total capital | 44,387,000 | 45,751,000 | 47,185,000 | 48,796,000 |
| Risk-weighted assets | 295,071,000 | 321,333,000 | 335,391,000 | 358,719,000 |