Call reports 2002
RIVER VALLEY BANK — 2002
What RIVER VALLEY BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 49,263,000 | 51,009,000 | 51,526,000 | 53,884,000 |
| Total loans | 42,270,000 | 44,280,000 | 44,838,000 | 44,734,000 |
| Allowance for loan losses | 499,000 | 571,000 | 558,000 | 569,000 |
| Securities available for sale | 2,846,000 | 2,353,000 | 1,973,000 | 1,732,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,879,000 | 46,279,000 | 46,792,000 | 48,925,000 |
| Interest-bearing deposits | 39,368,000 | 40,687,000 | 40,566,000 | 42,525,000 |
| Noninterest-bearing deposits | 5,511,000 | 5,592,000 | 6,226,000 | 6,400,000 |
| Equity capital | 3,425,000 | 3,554,000 | 3,697,000 | 3,850,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 856,000 | 1,764,000 | 2,702,000 | 3,619,000 |
| Interest expense | 374,000 | 730,000 | 1,095,000 | 1,427,000 |
| Net interest income | 482,000 | 1,034,000 | 1,607,000 | 2,192,000 |
| Noninterest income | 115,000 | 240,000 | 385,000 | 534,000 |
| Noninterest expense | 390,000 | 817,000 | 1,249,000 | 1,684,000 |
| Provision for loan losses | 52,000 | 157,000 | 227,000 | 257,000 |
| Pretax income | 155,000 | 300,000 | 516,000 | 785,000 |
| Income tax | 59,000 | 102,000 | 184,000 | 299,000 |
| Net income | 96,000 | 198,000 | 332,000 | 486,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,444,000 | 3,546,000 | 3,679,000 | 3,834,000 |
| Total capital | 3,909,000 | 4,034,000 | 4,172,000 | 4,328,000 |
| Risk-weighted assets | 37,127,000 | 38,960,000 | 39,389,000 | 39,443,000 |