RIVERHILLS BANK in New Richmond, Ohio (OH)



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RIVERHILLS BANK routing number info

Table of contents:
RIVERHILLS BANK
GeneralFDIC Certificate #: 6662
Status: Active
Federal Reserve ID: 371223
Bank Holding Company (Regulatory Top Holder): New Richmond Bancorporation (RSSDID: 1070541, Location: New Richmond, OH)
Date Established: November 17, 1904
WWW: http://www.rhb24.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 5 (Domestic: 5, Interstate: No)
FDIC's unique #: 4464
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: Yes
Subchapter S Corporations: No
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: January 04, 2012
Last Structure Change Process Date: January 04, 2012
Last Data Update: January 04, 2012
Data Source Date: April 05, 2012
LocationAddress: 110 Front Street, New Richmond, OH 45157
County: Clermont
Quarterly Banking Profile Region: Chicago
FDIC Geographic Region: Chicago
FDIC Supervisory Region: Kansas City
FDIC Field Office: Cincinnati
Office of the Comptroller the Currency (OCC) District: Central
Office of Thrift Supervision Region: Central
Metropolitan Statistical Area (MSA): Cincinnati, OH-KY-IN (#1640)
Consolidated Metropolitan Statistical Area (CMSA): Cincinnati-Hamilton, OH-KY-IN (#21)
Combined Statistical Area (CSA): Cincinnati-Middletown-Wilmington, OH-KY-IN (#178)
Core Based Statistical Area (CBSA): Cincinnati-Middletown, OH-KY-IN (#17140)
CBSA Metro Statistical Area: Cincinnati-Middletown, OH-KY-IN (#17140)
History of ChangesChange in Geographic Region/Area/Territory/Field Office
Financial SummaryTotal assets: $128.2 mil
Equity capital: $10.9 mil
Deposits held in domestic offices: $110.8 mil
Return on assets (ROA): 0.63% ($0.8 mil)
Quarterly return on assets: -0.09% (-$0.1 mil)
Return on Equity (ROE): 7.55% ($0.8 mil)
Quarterly return on equity: -1.06% (-$0.1 mil)
Net income: $0.8 mil
Quarterly Net income: -$0.0 mil
Pretax return on assets: 0.83% ($1,064.3 mil)
Quarterly Pretax return on assets: -0.18% (-$230.8 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)
(Dollar figures in thousands)
Total employees (full-time equivalent)44
Total assets$128,232
Cash and due from depository institutions$4,297
Interest-bearing balances$2,005
Securities$17,500
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$98,460
Loan loss allowance $1,189
Trading account assets$0
Bank premises and fixed assets$4,124
Other real estate owned$0
Goodwill and other intangibles$576
All other assets$3,275
Life insurance assets$128,232
Total liabilities and capital$117,313
Total liabilities$110,751
Total deposits$89,846
Interest-bearing deposits$110,751
Deposits held in domestic offices$92
% insured (estimated)773.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$4,901
Other borrowed funds $0
Subordinated debt $888
All other liabilities $10,919
Total equity capital$10,919
Total bank equity capital$10,919
Perpetual preferred stock$0
Common stock$91
Surplus$2,359
Undivided profits $8,469
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $294
Income earned, not collected on loans $1,214
Earning assets $32
Long-term assets (5+ years) $844
Average Assets, year-to-date $117,965
Average Assets, quarterly $11,456
Volatile liabilities $127,039
Insider loans $128,109
FHLB advances $103,372
Loans and leases held for sale $127,713
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $10,783
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $19,046
Derivatives$2
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $5,718
Total interest expense $955
Net interest income $4,763
Provision for loan and lease losses $740
Total noninterest income $1,583
Fiduciary activities $0
Service charges on deposit accounts $558
Trading account gains & fees $0
Additional noninterest income $1,025
Total noninterest expense $4,675
Salaries and employee benefits $2,392
Premises and equipment expense $573
Additional noninterest expense $1,710
Pre-tax net operating income $931
Securities gains (losses) $123
Applicable income taxes $248
Income before extraordinary items $806
Extraordinary gains - net $0
Net income attributable to bank $806
Net charge-offs $0
Cash dividends $806
Sale, conversion, retirement of capital stock, net $481
Net operating income $100
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.89%
Cost of funding earning assets 0.82%
Net interest margin 4.08%
Noninterest income to earning assets 1.35%
Noninterest expense to earning assets 4.00%
Net operating income to assets 0.56%
Return on assets (ROA) 0.63%
Pretax return on assets 0.83%
Return on equity (ROE) 7.55%
Retained earnings to average equity (YTD only) 6.62%
Net charge-offs to loans 0.48%
Credit loss provision to net charge-offs 153.85%
Efficiency ratio3.47%
Assets per employee$73,668
Cash dividends to net income (YTD only)2.91%
Condition Ratios (%)
Loss allowance to loans 12.41%
Loss allowance to noncurrent loans 1.19%
Noncurrent assets plus other real estate owned to assets 97.94%
Noncurrent loans to loans 0.95%
Net loans and leases to deposits1.22%
Net loans and leases to core deposits 88.90%
Equity capital to assets 100.28%
Core capital (leverage) ratio 8.52%
Tier 1 risk-based capital ratio 8.44%
Total risk-based capital ratio 10.43%
Memoranda
Average assets$12
Average earning assets$127,039
Average equity $10,669
Average loans $116,848
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5 Ohio Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
04464Riverhills Bank110 Front Street, New Richmond, OH 45157November 17, 1904Full Service Brick and Mortar
16583Felicity Branch415 N Market Street, Felicity, OH 45120January 01, 1903Full Service Brick and Mortar
2211806Amelia Branch1719 Ohio Pike, Amelia, OH 45102December 01, 1986Full Service Brick and Mortar
3211807Rivertown Market Branch1041 Old U.S. 52, New Richmond, OH 45157July 29, 1996Full Service Retail
6464014Milford Branch Office553 Chamber Drive, Milford, OH 45150June 01, 2007Full Service Brick and Mortar
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