RIVERHILLS BANK in New Richmond, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • RIVERHILLS BANK in New Richmond, Ohio (OH)
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RIVERHILLS BANK - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Change in Geographic Region/Area/Territory/Field Office
  • Financial Summary
  • Total 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
  • 44Total employees (full-time equivalent)
  • $128,232Total assets
  • $4,297Cash and due from depository institutions
  • $2,005Interest-bearing balances
  • $17,500Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $98,460Net loans & leases
  • $1,189Loan loss allowance
  • $0Trading account assets
  • $4,124Bank premises and fixed assets
  • $0Other real estate owned
  • $576Goodwill and other intangibles
  • $128,232Life insurance assets
  • $3,275All other assets
  • $117,313Total liabilities and capital
  • $110,751Total liabilities
  • $89,846Total deposits
  • $110,751Interest-bearing deposits
  • $92Deposits held in domestic offices
  • 773.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $4,901Trading liabilities
  • $0Other borrowed funds
  • $888Subordinated debt
  • $10,919All other liabilities
  • $10,919Total equity capital
  • $10,919Total bank equity capital
  • $0Perpetual preferred stock
  • $91Common stock
  • $2,359Surplus
  • $8,469Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $294Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,214Income earned, not collected on loans
  • $32Earning assets
  • $844Long-term assets (5+ years)
  • $117,965Average Assets, year-to-date
  • $11,456Average Assets, quarterly
  • $127,039Volatile liabilities
  • $128,109Insider loans
  • $103,372FHLB advances
  • $127,713Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $10,783Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $19,046Restructured Loans and leases
  • $2Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,718Total interest income
  • $955Total interest expense
  • $4,763Net interest income
  • $740Provision for loan and lease losses
  • $1,583Total noninterest income
  • $0Fiduciary activities
  • $558Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,025Additional noninterest income
  • $4,675Total noninterest expense
  • $2,392Salaries and employee benefits
  • $573Premises and equipment expense
  • $1,710Additional noninterest expense
  • $931Pre-tax net operating income
  • $123Securities gains (losses)
  • $248Applicable income taxes
  • $806Income before extraordinary items
  • $0Extraordinary gains - net
  • $806Net income attributable to bank
  • $0Net charge-offs
  • $806Cash dividends
  • $481Sale, conversion, retirement of capital stock, net
  • $100Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.89%Yield on earning assets
  • 0.82%Cost of funding earning assets
  • 4.08%Net interest margin
  • 1.35%Noninterest income to earning assets
  • 4.00%Noninterest expense to earning assets
  • 0.56%Net operating income to assets
  • 0.63%Return on assets (ROA)
  • 0.83%Pretax return on assets
  • 7.55%Return on equity (ROE)
  • 6.62%Retained earnings to average equity (YTD only)
  • 0.48%Net charge-offs to loans
  • 153.85%Credit loss provision to net charge-offs
  • 3.47%Efficiency ratio
  • 73,668Assets per employee
  • 2.91%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 12.41%Loss allowance to loans
  • 1.19%Loss allowance to noncurrent loans
  • 97.94%Noncurrent assets plus other real estate owned to assets
  • 0.95%Noncurrent loans to loans
  • 1.22%Net loans and leases to deposits
  • 88.90%Net loans and leases to core deposits
  • 100.28%Equity capital to assets
  • 8.52%Core capital (leverage) ratio
  • 8.44%Tier 1 risk-based capital ratio
  • 10.43%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $127,039Average earning assets
  • $10,669Average equity
  • $116,848Average loans

List of branches

  • 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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