Call reports 2004
RIVER COMMUNITY BANK, NATIONAL ASSOCIATION — 2004
What RIVER COMMUNITY BANK, NATIONAL ASSOCIATION 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 | 57,367,000 | 60,837,000 | 60,727,000 | 59,483,000 |
| Total loans | 45,558,000 | 48,582,000 | 51,234,000 | 50,447,000 |
| Allowance for loan losses | 572,000 | 643,000 | 632,000 | 645,000 |
| Securities available for sale | 7,029,000 | 8,101,000 | 5,632,000 | 5,943,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,735,000 | 56,607,000 | 56,284,000 | 54,835,000 |
| Interest-bearing deposits | 45,285,000 | 48,377,000 | 47,830,000 | 46,731,000 |
| Noninterest-bearing deposits | 7,450,000 | 8,230,000 | 8,454,000 | 8,104,000 |
| Equity capital | 4,444,000 | 4,068,000 | 4,272,000 | 4,479,000 |
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 | 707,000 | 1,447,000 | 2,284,000 | 3,152,000 |
| Interest expense | 257,000 | 518,000 | 787,000 | 1,059,000 |
| Net interest income | 450,000 | 929,000 | 1,497,000 | 2,093,000 |
| Noninterest income | 124,000 | 234,000 | 357,000 | 485,000 |
| Noninterest expense | 436,000 | 904,000 | 1,389,000 | 1,859,000 |
| Provision for loan losses | 62,000 | 465,000 | 498,000 | 522,000 |
| Pretax income | 76,000 | -206,000 | -33,000 | 197,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 76,000 | -206,000 | -33,000 | 197,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,322,000 | 4,040,000 | 4,213,000 | 4,443,000 |
| Total capital | 4,886,000 | 4,643,000 | 4,825,000 | 5,039,000 |
| Risk-weighted assets | 45,117,000 | 48,176,000 | 48,975,000 | 47,615,000 |