Call reports 2015
RIVER VALLEY FINANCIAL BANK — 2015
What RIVER VALLEY FINANCIAL BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 508,825,000 | 518,966,000 | 512,376,000 | 517,072,000 |
| Total loans | 331,995,000 | 336,753,000 | 333,396,000 | 335,309,000 |
| Allowance for loan losses | 3,653,000 | 3,675,000 | 3,727,000 | 2,820,000 |
| Securities available for sale | 135,120,000 | 134,349,000 | 134,978,000 | 133,880,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 404,348,000 | 417,356,000 | 413,437,000 | 417,224,000 |
| Interest-bearing deposits | 336,447,000 | 349,759,000 | 348,844,000 | 354,232,000 |
| Noninterest-bearing deposits | 67,901,000 | 67,597,000 | 64,593,000 | 62,992,000 |
| Equity capital | 49,863,000 | 49,826,000 | 52,056,000 | 53,444,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 5,352,000 | 10,600,000 | 15,694,000 | 20,787,000 |
| Interest expense | 767,000 | 1,552,000 | 2,320,000 | 3,076,000 |
| Net interest income | 4,585,000 | 9,048,000 | 13,374,000 | 17,711,000 |
| Noninterest income | 915,000 | 2,024,000 | 3,038,000 | 4,117,000 |
| Noninterest expense | 3,628,000 | 7,226,000 | 10,968,000 | 14,558,000 |
| Provision for loan losses | 99,000 | 198,000 | 297,000 | 302,000 |
| Pretax income | 1,866,000 | 3,766,000 | 5,270,000 | 7,110,000 |
| Income tax | 473,000 | 952,000 | 1,240,000 | 1,735,000 |
| Net income | 1,393,000 | 2,814,000 | 4,030,000 | 5,375,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,034,000 | 49,556,000 | 50,798,000 | 52,144,000 |
| Total capital | 51,720,000 | 53,274,000 | 54,568,000 | 54,986,000 |
| Risk-weighted assets | 359,546,000 | 354,871,000 | 347,078,000 | 352,870,000 |