Call reports 2013
RIVER VALLEY FINANCIAL BANK — 2013
What RIVER VALLEY FINANCIAL BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 482,287,000 | 475,365,000 | 486,248,000 | 482,383,000 |
| Total loans | 299,049,000 | 298,585,000 | 321,292,000 | 320,908,000 |
| Allowance for loan losses | 3,884,000 | 4,036,000 | 4,340,000 | 4,510,000 |
| Securities available for sale | 127,117,000 | 126,478,000 | 121,742,000 | 120,057,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 395,011,000 | 390,177,000 | 390,882,000 | 396,295,000 |
| Interest-bearing deposits | 347,811,000 | 342,553,000 | 342,564,000 | 347,388,000 |
| Noninterest-bearing deposits | 47,200,000 | 47,624,000 | 48,318,000 | 48,907,000 |
| Equity capital | 41,904,000 | 39,818,000 | 40,372,000 | 40,761,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 4,939,000 | 10,000,000 | 15,282,000 | 20,253,000 |
| Interest expense | 1,028,000 | 2,028,000 | 2,980,000 | 3,915,000 |
| Net interest income | 3,911,000 | 7,972,000 | 12,302,000 | 16,338,000 |
| Noninterest income | 899,000 | 1,898,000 | 2,520,000 | 3,589,000 |
| Noninterest expense | 3,064,000 | 6,129,000 | 9,404,000 | 12,798,000 |
| Provision for loan losses | 318,000 | 636,000 | 656,000 | 932,000 |
| Pretax income | 1,507,000 | 3,298,000 | 4,957,000 | 6,408,000 |
| Income tax | 420,000 | 930,000 | 1,396,000 | 1,704,000 |
| Net income | 1,087,000 | 2,368,000 | 3,561,000 | 4,704,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,733,000 | 40,482,000 | 41,293,000 | 41,831,000 |
| Total capital | 43,543,000 | 44,319,000 | 45,346,000 | 45,925,000 |
| Risk-weighted assets | 304,629,000 | 306,724,000 | 323,923,000 | 327,044,000 |