Call reports 2004
RVR BANK — 2004
What RVR 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 | 148,903,000 | 148,972,000 | 153,155,000 | 153,656,000 |
| Total loans | 100,785,000 | 100,556,000 | 102,607,000 | 102,735,000 |
| Allowance for loan losses | 1,509,000 | 1,663,000 | 1,669,000 | 1,646,000 |
| Securities available for sale | 29,004,000 | 29,185,000 | 30,447,000 | 31,650,000 |
| Securities held to maturity | 7,164,000 | 6,186,000 | 6,065,000 | 4,976,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,600,000 | 115,642,000 | 120,206,000 | 116,571,000 |
| Interest-bearing deposits | 103,761,000 | 103,453,000 | 106,591,000 | 104,335,000 |
| Noninterest-bearing deposits | 9,839,000 | 12,189,000 | 13,615,000 | 12,236,000 |
| Equity capital | 11,083,000 | 10,938,000 | 11,427,000 | 11,526,000 |
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 | 2,077,000 | 4,152,000 | 6,267,000 | 8,475,000 |
| Interest expense | 614,000 | 1,218,000 | 1,844,000 | 2,493,000 |
| Net interest income | 1,463,000 | 2,934,000 | 4,423,000 | 5,982,000 |
| Noninterest income | 297,000 | 688,000 | 1,069,000 | 1,413,000 |
| Noninterest expense | 1,116,000 | 2,244,000 | 3,375,000 | 4,496,000 |
| Provision for loan losses | 60,000 | 240,000 | 240,000 | 315,000 |
| Pretax income | 587,000 | 1,143,000 | 1,882,000 | 2,589,000 |
| Income tax | 143,000 | 269,000 | 461,000 | 639,000 |
| Net income | 444,000 | 874,000 | 1,421,000 | 1,950,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,528,000 | 10,620,000 | 10,910,000 | 11,061,000 |
| Total capital | 11,913,000 | 12,022,000 | 12,341,000 | 12,505,000 |
| Risk-weighted assets | 110,692,000 | 111,911,000 | 114,217,000 | 115,295,000 |
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