Call reports 2025
RIVER VALLEY COMMUNITY BANK — 2025
What RIVER VALLEY COMMUNITY BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 635,192,000 | 608,935,000 | 679,392,000 | 760,191,000 |
| Total loans | 351,230,000 | 361,002,000 | 374,318,000 | 398,070,000 |
| Allowance for loan losses | 4,410,000 | 4,600,000 | 4,600,000 | 4,825,000 |
| Securities available for sale | 190,865,000 | 193,917,000 | 230,987,000 | 251,272,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 578,529,000 | 549,847,000 | 618,128,000 | 666,188,000 |
| Interest-bearing deposits | 398,077,000 | 387,662,000 | 452,020,000 | 490,079,000 |
| Noninterest-bearing deposits | 180,452,000 | 162,185,000 | 166,108,000 | 176,109,000 |
| Equity capital | 53,440,000 | 55,283,000 | 57,427,000 | 59,208,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 6,914,000 | 13,914,000 | 21,270,000 | 29,692,000 |
| Interest expense | 2,100,000 | 4,212,000 | 6,471,000 | 9,425,000 |
| Net interest income | 4,814,000 | 9,702,000 | 14,799,000 | 20,267,000 |
| Noninterest income | 229,000 | 480,000 | 728,000 | 959,000 |
| Noninterest expense | 3,224,000 | 6,663,000 | 10,363,000 | 14,330,000 |
| Provision for loan losses | 100,000 | 290,000 | 290,000 | 515,000 |
| Pretax income | 1,719,000 | 3,273,000 | 4,883,000 | 6,455,000 |
| Income tax | 444,000 | 862,000 | 1,293,000 | 1,702,000 |
| Net income | 1,275,000 | 2,411,000 | 3,590,000 | 4,753,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 63,744,000 | 64,879,000 | 66,058,000 | 67,222,000 |
| Total capital | 68,794,000 | 70,069,000 | 71,248,000 | 72,572,000 |
| Risk-weighted assets | 450,778,000 | 458,089,000 | 478,887,000 | 492,198,000 |