Call reports 2002
RIVERWIND BANK — 2002
What RIVERWIND BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 47,587,000 | 47,948,000 | 45,939,000 | 46,820,000 |
| Total loans | 18,954,000 | 19,091,000 | 20,049,000 | 19,135,000 |
| Allowance for loan losses | 426,000 | 348,000 | 358,000 | 367,000 |
| Securities available for sale | 8,415,000 | 11,349,000 | 9,815,000 | 10,979,000 |
| Securities held to maturity | 8,887,000 | 8,520,000 | 8,133,000 | 7,701,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,656,000 | 41,765,000 | 39,541,000 | 40,739,000 |
| Interest-bearing deposits | 36,364,000 | 36,541,000 | 35,132,000 | 35,488,000 |
| Noninterest-bearing deposits | 5,292,000 | 5,224,000 | 4,409,000 | 5,251,000 |
| Equity capital | 5,572,000 | 5,800,000 | 5,982,000 | 5,675,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 592,000 | 1,173,000 | 1,775,000 | 2,333,000 |
| Interest expense | 266,000 | 503,000 | 718,000 | 922,000 |
| Net interest income | 326,000 | 670,000 | 1,057,000 | 1,411,000 |
| Noninterest income | 72,000 | 145,000 | 224,000 | 314,000 |
| Noninterest expense | 260,000 | 542,000 | 803,000 | 1,138,000 |
| Provision for loan losses | 9,000 | 18,000 | 27,000 | 36,000 |
| Pretax income | 129,000 | 255,000 | 451,000 | 551,000 |
| Income tax | 19,000 | 38,000 | 82,000 | 84,000 |
| Net income | 110,000 | 217,000 | 369,000 | 467,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,601,000 | 5,720,000 | 5,888,000 | 5,586,000 |
| Total capital | 5,911,000 | 6,031,000 | 6,203,000 | 5,896,000 |
| Risk-weighted assets | 24,705,000 | 24,819,000 | 25,126,000 | 24,754,000 |