Call reports 2014
RIVER VALLEY FINANCIAL BANK — 2014
What RIVER VALLEY FINANCIAL BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 483,506,000 | 485,420,000 | 504,316,000 | 509,331,000 |
| Total loans | 316,720,000 | 321,505,000 | 326,022,000 | 336,338,000 |
| Allowance for loan losses | 4,196,000 | 3,761,000 | 3,940,000 | 4,005,000 |
| Securities available for sale | 117,419,000 | 120,088,000 | 137,440,000 | 128,970,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 403,150,000 | 402,585,000 | 415,843,000 | 410,632,000 |
| Interest-bearing deposits | 351,771,000 | 350,036,000 | 347,255,000 | 345,097,000 |
| Noninterest-bearing deposits | 51,379,000 | 52,549,000 | 68,588,000 | 65,535,000 |
| Equity capital | 42,298,000 | 43,945,000 | 45,533,000 | 47,778,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 4,935,000 | 9,932,000 | 14,974,000 | 20,261,000 |
| Interest expense | 845,000 | 1,636,000 | 2,413,000 | 3,190,000 |
| Net interest income | 4,090,000 | 8,296,000 | 12,561,000 | 17,071,000 |
| Noninterest income | 833,000 | 1,434,000 | 2,336,000 | 3,208,000 |
| Noninterest expense | 3,319,000 | 6,659,000 | 9,995,000 | 13,221,000 |
| Provision for loan losses | 174,000 | 198,000 | 347,000 | 446,000 |
| Pretax income | 1,517,000 | 3,118,000 | 4,800,000 | 7,063,000 |
| Income tax | 359,000 | 753,000 | 1,183,000 | 1,811,000 |
| Net income | 1,158,000 | 2,365,000 | 3,617,000 | 5,252,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,536,000 | 43,439,000 | 44,832,000 | 46,452,000 |
| Total capital | 46,562,000 | 47,259,000 | 48,826,000 | 50,489,000 |
| Risk-weighted assets | 321,781,000 | 329,376,000 | 338,529,000 | 349,072,000 |