Call reports 2003
RIVER COMMUNITY BANK, NATIONAL ASSOCIATION — 2003
What RIVER COMMUNITY BANK, NATIONAL ASSOCIATION 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 | 48,258,000 | 48,291,000 | 50,491,000 | 54,946,000 |
| Total loans | 37,606,000 | 39,270,000 | 40,374,000 | 42,407,000 |
| Allowance for loan losses | 452,000 | 471,000 | 485,000 | 511,000 |
| Securities available for sale | 7,782,000 | 6,959,000 | 6,745,000 | 7,505,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,553,000 | 43,030,000 | 44,320,000 | 50,471,000 |
| Interest-bearing deposits | 38,682,000 | 37,445,000 | 38,520,000 | 44,123,000 |
| Noninterest-bearing deposits | 4,871,000 | 5,585,000 | 5,800,000 | 6,348,000 |
| Equity capital | 4,509,000 | 4,433,000 | 4,387,000 | 4,315,000 |
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 | 647,000 | 1,282,000 | 1,928,000 | 2,613,000 |
| Interest expense | 271,000 | 532,000 | 782,000 | 1,034,000 |
| Net interest income | 376,000 | 750,000 | 1,146,000 | 1,579,000 |
| Noninterest income | 83,000 | 143,000 | 216,000 | 334,000 |
| Noninterest expense | 396,000 | 930,000 | 1,365,000 | 1,800,000 |
| Provision for loan losses | 27,000 | 46,000 | 59,000 | 241,000 |
| Pretax income | 36,000 | -83,000 | -62,000 | -128,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 36,000 | -83,000 | -62,000 | -128,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,370,000 | 4,251,000 | 4,272,000 | 4,206,000 |
| Total capital | 4,822,000 | 4,722,000 | 4,757,000 | 4,717,000 |
| Risk-weighted assets | 37,126,000 | 38,175,000 | 38,780,000 | 42,708,000 |