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River Valley Bancorp's credit losses provision for the three months ended in Sep. 2014 was $0.15 Mil. Its credit losses provision for the trailing twelve months (TTM) ended in Sep. 2014 was $0.62 Mil.
River Valley Bancorp's quarterly credit losses provision declined from Mar. 2014 ($0.17 Mil) to Jun. 2014 ($0.02 Mil) but then increased from Jun. 2014 ($0.02 Mil) to Sep. 2014 ($0.15 Mil).
River Valley Bancorp's annual credit losses provision declined from Dec. 2011 ($2.77 Mil) to Dec. 2012 ($1.38 Mil) and declined from Dec. 2012 ($1.38 Mil) to Dec. 2013 ($0.93 Mil).
For each period of operations, banks may reserve a portion of their income to cover the possible non-performing loans. The amount of the Credit Losses Provision is dependent on the management's estimate of the load quality they have. The higher Credit Losses Provision is, the lower banks' reported income in. This does not affect banks' cash flow statement.
River Valley Bancorp Credit Losses Provision for the trailing twelve months (TTM) ended in Sep. 2014 was 0.276 (Dec. 2013 ) + 0.174 (Mar. 2014 ) + 0.024 (Jun. 2014 ) + 0.149 (Sep. 2014 ) = $0.62 Mil.
River Valley Bancorp Annual Data
River Valley Bancorp Quarterly Data