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River Valley Bancorp  (NAS:RIVR) Credit Losses Provision: $0.40 Mil (As of Sep. 2015)

River Valley Bancorp's credit losses provision for the three months ended in Sep. 2015 was $0.10 Mil. Its credit losses provision for the trailing twelve months (TTM) ended in Sep. 2015 was $0.40 Mil.

River Valley Bancorp's quarterly credit losses provision stayed the same from Mar. 2015 ($0.10 Mil) to Jun. 2015 ($0.10 Mil) and stayed the same from Jun. 2015 ($0.10 Mil) to Sep. 2015 ($0.10 Mil).

River Valley Bancorp's annual credit losses provision declined from Dec. 2012 ($1.38 Mil) to Dec. 2013 ($0.93 Mil) and declined from Dec. 2013 ($0.93 Mil) to Dec. 2014 ($0.45 Mil).


Historical Data

* All numbers are in millions except for per share data and ratio. All numbers are in their local exchange's currency.

* Premium members only.

River Valley Bancorp Annual Data

Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 Dec12 Dec13 Dec14 Dec15
Credit Losses Provision Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 2.77 1.38 0.93 0.45 0.30

River Valley Bancorp Quarterly Data

Mar11 Jun11 Sep11 Dec11 Mar12 Jun12 Sep12 Dec12 Mar13 Jun13 Sep13 Dec13 Mar14 Jun14 Sep14 Dec14 Mar15 Jun15 Sep15 Dec15
Credit Losses Provision Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.10 0.10 0.10 0.10 0.01

Calculation

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.

Credit Losses Provision for the trailing twelve months (TTM) ended in Sep. 2015 was 0.099 (Dec. 2014 ) + 0.099 (Mar. 2015 ) + 0.099 (Jun. 2015 ) + 0.099 (Sep. 2015 ) = $0.40 Mil.

* All numbers are in millions except for per share data and ratio. All numbers are in their local exchange's currency.


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