Call reports 2001
RIVER VALLEY BANK — 2001
What RIVER VALLEY BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 45,074,000 | 44,641,000 | 45,847,000 | 48,449,000 |
| Total loans | 35,878,000 | 37,617,000 | 38,984,000 | 40,695,000 |
| Allowance for loan losses | 390,000 | 357,000 | 381,000 | 450,000 |
| Securities available for sale | 3,501,000 | 1,600,000 | 1,513,000 | 2,691,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,981,000 | 40,494,000 | 41,581,000 | 44,139,000 |
| Interest-bearing deposits | 36,096,000 | 35,944,000 | 37,144,000 | 38,982,000 |
| Noninterest-bearing deposits | 4,885,000 | 4,550,000 | 4,437,000 | 5,157,000 |
| Equity capital | 3,117,000 | 3,164,000 | 3,281,000 | 3,349,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 890,000 | 1,787,000 | 2,719,000 | 3,640,000 |
| Interest expense | 514,000 | 1,026,000 | 1,495,000 | 1,919,000 |
| Net interest income | 376,000 | 761,000 | 1,224,000 | 1,721,000 |
| Noninterest income | 127,000 | 238,000 | 342,000 | 459,000 |
| Noninterest expense | 357,000 | 723,000 | 1,120,000 | 1,508,000 |
| Provision for loan losses | 30,000 | 85,000 | 115,000 | 195,000 |
| Pretax income | 116,000 | 191,000 | 331,000 | 477,000 |
| Income tax | 44,000 | 72,000 | 102,000 | 174,000 |
| Net income | 72,000 | 119,000 | 229,000 | 303,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,116,000 | 3,164,000 | 3,269,000 | 3,348,000 |
| Total capital | 3,506,000 | 3,521,000 | 3,650,000 | 3,790,000 |
| Risk-weighted assets | 33,522,000 | 34,381,000 | 34,202,000 | 35,383,000 |