Call reports 2003
RIVER VALLEY BANK — 2003
What RIVER VALLEY BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 |
|---|---|
| Total assets | 53,945,000 |
| Total loans | 43,953,000 |
| Allowance for loan losses | 596,000 |
| Securities available for sale | 1,735,000 |
| Securities held to maturity | 0 |
| Trading assets | 0 |
| Total deposits | 49,063,000 |
| Interest-bearing deposits | 42,823,000 |
| Noninterest-bearing deposits | 6,241,000 |
| Equity capital | 3,929,000 |
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 |
|---|---|
| Interest income | 865,000 |
| Interest expense | 321,000 |
| Net interest income | 544,000 |
| Noninterest income | 167,000 |
| Noninterest expense | 444,000 |
| Provision for loan losses | 40,000 |
| Pretax income | 227,000 |
| Income tax | 86,000 |
| Net income | 141,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 |
|---|---|
| Tier 1 capital | 3,915,000 |
| Total capital | 4,407,000 |
| Risk-weighted assets | 39,289,000 |