PackageTrendsPeer
Letter portraitLegal landscape

River Valley Financial Bank

Madison, IN · Cert 28565

FDIC

Q3 2012

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2012, the quarter ended September 30, 2012, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

River Valley Financial Bank

Madison, IN · Cert 28565

FDIC

Q3 2012

$403.7MAssets
$258.7MLoans
$304.7MDeposits
$40.9MEquity
Loan mix
95%RE $218.1M3%C&I $7.4M1%Consumer $3.2MQ4 2010Q3 2012
Deposit mix
89%Interest-bearing $271.3M11%Noninterest $33.4MQ4 2010Q3 2012

Executive Summary

  • Earnings: ROA of 0.77%, up 28 bps year over year; NIM at 3.13%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.73%.
  • Funding: loans stand at 84.91% of deposits as of Q3 2012.

Return on Assets (YTD, annualized)

0.77%+28 bps YoY

Net Interest Margin (YTD, annualized)

3.13%

Efficiency Ratio (YTD, annualized)

67.64%

Tier 1 Leverage Ratio

n/a
n/a

NIM

4.40%Q1 ’124.30%Q2 ’124.29%Q3 ’12-2%+1%

Non-interest income vs. expense

2.63%Q1 ’122.63%Q2 ’122.60%Q3 ’12-1%-2%

Year to date, annualized, through each quarter.

MetricQ4 2010Q1 2011Q2 2011Q3 2011Q4 2011Q1 2012Q2 2012Q3 2012YoY ΔTrend
Earnings
Return on Assets0.66%0.92%0.82%0.49%0.52%0.67%0.71%0.77%+28 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/a3.18%3.11%3.13%n/a
Efficiency Ration/an/an/an/an/a68.20%68.92%67.64%n/a
Non-Interest Burdenn/an/an/an/an/a1.99%1.97%1.92%n/a
Growth
Asset Growth (YoY)-2.39%-2.02%1.26%5.04%5.29%4.42%1.96%0.48%-456 bps
Loan Growth (YoY)-3.67%-4.60%-3.80%-4.22%-4.98%-2.59%-1.51%1.10%+532 bps
Deposit Growth (YoY)3.05%1.87%2.37%6.30%6.26%4.76%3.24%1.54%-477 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/a2.05%1.00%0.73%n/a
Allowance / Loansn/an/an/an/an/a1.25%1.37%1.41%n/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/an/a15.51%15.46%15.58%n/a
Equity / Assetsn/an/an/an/an/a9.79%9.82%10.13%n/a
Liquidity & Funding
Loans / Deposits92.47%89.75%87.70%85.28%82.68%83.46%83.67%84.91%-37 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%3.90%2.87%1.13%+113 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a