Call reports 2012
RIVER VALLEY FINANCIAL BANK — 2012
What RIVER VALLEY FINANCIAL BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 403,880,000 | 407,635,000 | 403,746,000 | 472,554,000 |
| Total loans | 253,479,000 | 256,534,000 | 258,725,000 | 309,219,000 |
| Allowance for loan losses | 3,178,000 | 3,521,000 | 3,642,000 | 3,564,000 |
| Securities available for sale | 104,926,000 | 110,084,000 | 112,456,000 | 114,024,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 303,729,000 | 306,603,000 | 304,704,000 | 385,468,000 |
| Interest-bearing deposits | 273,493,000 | 275,470,000 | 271,343,000 | 343,612,000 |
| Noninterest-bearing deposits | 30,236,000 | 31,133,000 | 33,361,000 | 41,856,000 |
| Equity capital | 39,532,000 | 40,024,000 | 40,880,000 | 41,766,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 4,458,000 | 8,789,000 | 13,283,000 | 17,958,000 |
| Interest expense | 1,244,000 | 2,441,000 | 3,604,000 | 4,747,000 |
| Net interest income | 3,214,000 | 6,348,000 | 9,679,000 | 13,211,000 |
| Noninterest income | 644,000 | 1,355,000 | 2,108,000 | 4,061,000 |
| Noninterest expense | 2,662,000 | 5,370,000 | 8,064,000 | 11,471,000 |
| Provision for loan losses | 474,000 | 796,000 | 1,064,000 | 1,382,000 |
| Pretax income | 856,000 | 1,868,000 | 3,109,000 | 5,416,000 |
| Income tax | 179,000 | 419,000 | 764,000 | 1,128,000 |
| Net income | 677,000 | 1,449,000 | 2,345,000 | 4,288,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,316,000 | 37,693,000 | 38,134,000 | 39,101,000 |
| Total capital | 40,494,000 | 41,013,000 | 41,464,000 | 42,665,000 |
| Risk-weighted assets | 261,061,000 | 265,364,000 | 266,111,000 | 311,471,000 |