Call reports 2023
RIVER VALLEY COMMUNITY BANK — 2023
What RIVER VALLEY COMMUNITY BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 583,012,000 | 579,558,000 | 587,907,000 | 581,204,000 |
| Total loans | 269,192,000 | 276,370,000 | 283,848,000 | 294,708,000 |
| Allowance for loan losses | 3,846,000 | 4,010,000 | 4,120,000 | 4,260,000 |
| Securities available for sale | 228,657,000 | 219,994,000 | 216,031,000 | 219,037,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 539,627,000 | 535,069,000 | 543,812,000 | 532,631,000 |
| Interest-bearing deposits | 354,945,000 | 352,461,000 | 369,639,000 | 342,577,000 |
| Noninterest-bearing deposits | 184,682,000 | 182,608,000 | 174,173,000 | 190,054,000 |
| Equity capital | 39,653,000 | 39,881,000 | 38,855,000 | 45,081,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 5,968,000 | 11,877,000 | 18,132,000 | 24,327,000 |
| Interest expense | 752,000 | 1,926,000 | 3,664,000 | 5,368,000 |
| Net interest income | 5,216,000 | 9,951,000 | 14,468,000 | 18,959,000 |
| Noninterest income | 232,000 | 468,000 | 733,000 | 1,002,000 |
| Noninterest expense | 2,716,000 | 5,352,000 | 8,203,000 | 11,020,000 |
| Provision for loan losses | 0 | 164,000 | 274,000 | 414,000 |
| Pretax income | 2,724,000 | 4,748,000 | 6,566,000 | 8,419,000 |
| Income tax | 728,000 | 1,273,000 | 1,749,000 | 2,268,000 |
| Net income | 1,996,000 | 3,475,000 | 4,817,000 | 6,151,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 53,685,000 | 55,164,000 | 56,507,000 | 57,841,000 |
| Total capital | 58,121,000 | 59,914,000 | 61,347,000 | 62,791,000 |
| Risk-weighted assets | 374,109,000 | 386,521,000 | 387,218,000 | 403,631,000 |