Call reports 2004
RIVERHILLS BANK — 2004
What RIVERHILLS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 151,599,000 | 150,056,000 | 154,687,000 | 147,930,000 |
| Total loans | 97,474,000 | 101,905,000 | 103,013,000 | 103,362,000 |
| Allowance for loan losses | 1,381,000 | 1,450,000 | 1,436,000 | 1,412,000 |
| Securities available for sale | 30,865,000 | 28,911,000 | 19,826,000 | 24,646,000 |
| Securities held to maturity | 5,929,000 | 5,709,000 | 5,368,000 | 5,209,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 126,605,000 | 125,111,000 | 129,157,000 | 121,581,000 |
| Interest-bearing deposits | 108,175,000 | 107,484,000 | 110,215,000 | 102,174,000 |
| Noninterest-bearing deposits | 18,430,000 | 17,627,000 | 18,942,000 | 19,407,000 |
| Equity capital | 11,919,000 | 11,922,000 | 12,582,000 | 12,845,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,813,000 | 3,696,000 | 5,671,000 | 7,659,000 |
| Interest expense | 557,000 | 1,129,000 | 1,723,000 | 2,316,000 |
| Net interest income | 1,256,000 | 2,567,000 | 3,948,000 | 5,343,000 |
| Noninterest income | 223,000 | 470,000 | 753,000 | 995,000 |
| Noninterest expense | 973,000 | 1,877,000 | 2,750,000 | 3,828,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 431,000 | 1,015,000 | 1,731,000 | 2,222,000 |
| Income tax | 128,000 | 241,000 | 449,000 | 666,000 |
| Net income | 303,000 | 774,000 | 1,282,000 | 1,556,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,605,000 | 12,076,000 | 12,583,000 | 12,858,000 |
| Total capital | 12,879,000 | 13,383,000 | 13,897,000 | 14,134,000 |
| Risk-weighted assets | 101,808,000 | 104,472,000 | 105,017,000 | 102,066,000 |
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