Call reports 2004
RIVERWIND BANK — 2004
What RIVERWIND 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 | 46,737,000 | 46,375,000 | 49,219,000 | 49,298,000 |
| Total loans | 19,839,000 | 22,207,000 | 22,210,000 | 21,529,000 |
| Allowance for loan losses | 347,000 | 335,000 | 336,000 | 340,000 |
| Securities available for sale | 13,699,000 | 14,215,000 | 15,029,000 | 15,211,000 |
| Securities held to maturity | 7,128,000 | 6,814,000 | 6,760,000 | 6,636,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,402,000 | 39,522,000 | 42,596,000 | 43,054,000 |
| Interest-bearing deposits | 34,405,000 | 33,600,000 | 36,580,000 | 35,795,000 |
| Noninterest-bearing deposits | 5,997,000 | 5,922,000 | 6,016,000 | 7,259,000 |
| Equity capital | 5,789,000 | 5,686,000 | 5,987,000 | 5,626,000 |
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 | 515,000 | 1,033,000 | 1,568,000 | 2,114,000 |
| Interest expense | 133,000 | 253,000 | 378,000 | 507,000 |
| Net interest income | 382,000 | 780,000 | 1,190,000 | 1,607,000 |
| Noninterest income | 73,000 | 143,000 | 212,000 | 288,000 |
| Noninterest expense | 297,000 | 592,000 | 876,000 | 1,245,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 156,000 | 314,000 | 494,000 | 603,000 |
| Income tax | 32,000 | 63,000 | 104,000 | 111,000 |
| Net income | 124,000 | 251,000 | 390,000 | 492,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,747,000 | 5,855,000 | 6,007,000 | 5,707,000 |
| Total capital | 6,062,000 | 6,190,000 | 6,342,000 | 6,040,000 |
| Risk-weighted assets | 25,146,000 | 26,920,000 | 26,940,000 | 26,615,000 |