Call reports 2003
RIVERWIND BANK — 2003
What RIVERWIND 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 | 46,498,000 | 46,670,000 | 46,067,000 | 46,878,000 |
| Total loans | 18,422,000 | 20,049,000 | 20,719,000 | 19,684,000 |
| Allowance for loan losses | 381,000 | 310,000 | 290,000 | 331,000 |
| Securities available for sale | 13,449,000 | 12,441,000 | 13,178,000 | 12,563,000 |
| Securities held to maturity | 7,248,000 | 7,184,000 | 7,388,000 | 7,871,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,317,000 | 40,259,000 | 39,559,000 | 40,738,000 |
| Interest-bearing deposits | 35,464,000 | 35,673,000 | 34,699,000 | 34,651,000 |
| Noninterest-bearing deposits | 4,853,000 | 4,586,000 | 4,860,000 | 6,087,000 |
| Equity capital | 5,758,000 | 5,911,000 | 5,970,000 | 5,618,000 |
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 | 528,000 | 1,087,000 | 1,609,000 | 2,117,000 |
| Interest expense | 189,000 | 367,000 | 528,000 | 677,000 |
| Net interest income | 339,000 | 720,000 | 1,081,000 | 1,440,000 |
| Noninterest income | 73,000 | 190,000 | 267,000 | 343,000 |
| Noninterest expense | 265,000 | 572,000 | 836,000 | 1,174,000 |
| Provision for loan losses | 9,000 | 18,000 | 42,000 | 82,000 |
| Pretax income | 138,000 | 320,000 | 470,000 | 527,000 |
| Income tax | 26,000 | 69,000 | 101,000 | 91,000 |
| Net income | 112,000 | 251,000 | 369,000 | 436,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,697,000 | 5,842,000 | 5,950,000 | 5,614,000 |
| Total capital | 5,997,000 | 6,152,000 | 6,240,000 | 5,928,000 |
| Risk-weighted assets | 23,942,000 | 25,449,000 | 25,929,000 | 25,116,000 |