Call reports 2003
RVR BANK — 2003
What RVR BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 137,787,000 | 142,645,000 | 142,986,000 | 143,219,000 |
| Total loans | 91,838,000 | 95,013,000 | 96,042,000 | 95,975,000 |
| Allowance for loan losses | 1,405,000 | 1,334,000 | 1,381,000 | 1,433,000 |
| Securities available for sale | 23,845,000 | 26,031,000 | 28,009,000 | 28,502,000 |
| Securities held to maturity | 9,137,000 | 8,471,000 | 7,992,000 | 7,671,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 115,544,000 | 117,506,000 | 115,990,000 | 117,944,000 |
| Interest-bearing deposits | 101,627,000 | 103,040,000 | 105,643,000 | 105,989,000 |
| Noninterest-bearing deposits | 13,917,000 | 14,466,000 | 10,347,000 | 11,955,000 |
| Equity capital | 10,360,000 | 10,918,000 | 10,901,000 | 10,916,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,113,000 | 4,315,000 | 6,473,000 | 8,565,000 |
| Interest expense | 675,000 | 1,348,000 | 2,008,000 | 2,655,000 |
| Net interest income | 1,438,000 | 2,967,000 | 4,465,000 | 5,910,000 |
| Noninterest income | 289,000 | 603,000 | 880,000 | 1,177,000 |
| Noninterest expense | 964,000 | 1,980,000 | 2,954,000 | 4,073,000 |
| Provision for loan losses | 45,000 | 90,000 | 195,000 | 240,000 |
| Pretax income | 719,000 | 1,502,000 | 2,198,000 | 2,776,000 |
| Income tax | 191,000 | 404,000 | 574,000 | 715,000 |
| Net income | 528,000 | 1,098,000 | 1,624,000 | 2,061,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,881,000 | 10,346,000 | 10,471,000 | 10,468,000 |
| Total capital | 11,125,000 | 11,626,000 | 11,770,000 | 11,782,000 |
| Risk-weighted assets | 98,564,000 | 101,548,000 | 103,824,000 | 105,029,000 |
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