Call reports 2001
RIVER BANK — 2001
What RIVER 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 | 433,808,000 | 432,172,000 | 437,596,000 | 436,224,000 |
| Total loans | 220,370,000 | 233,427,000 | 243,049,000 | 236,397,000 |
| Allowance for loan losses | 3,730,000 | 3,783,000 | 3,910,000 | 4,070,000 |
| Securities available for sale | 26,166,000 | 24,659,000 | 20,602,000 | 38,598,000 |
| Securities held to maturity | 143,277,000 | 148,482,000 | 144,986,000 | 133,003,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 281,614,000 | 281,773,000 | 277,547,000 | 269,277,000 |
| Interest-bearing deposits | 271,201,000 | 266,359,000 | 263,079,000 | 255,619,000 |
| Noninterest-bearing deposits | 10,413,000 | 15,414,000 | 14,468,000 | 13,658,000 |
| Equity capital | 52,884,000 | 53,186,000 | 51,753,000 | 51,817,000 |
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 | 7,403,000 | 14,690,000 | 21,964,000 | 28,852,000 |
| Interest expense | 4,193,000 | 8,180,000 | 12,098,000 | 15,573,000 |
| Net interest income | 3,210,000 | 6,510,000 | 9,866,000 | 13,279,000 |
| Noninterest income | 275,000 | 560,000 | 889,000 | 1,327,000 |
| Noninterest expense | 2,211,000 | 4,534,000 | 6,658,000 | 8,970,000 |
| Provision for loan losses | 0 | 50,000 | 175,000 | 175,000 |
| Pretax income | 1,275,000 | 2,495,000 | 3,918,000 | 5,499,000 |
| Income tax | 484,000 | 914,000 | 1,386,000 | 1,960,000 |
| Net income | 791,000 | 1,581,000 | 2,532,000 | 3,539,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,360,000 | 50,116,000 | 49,150,000 | 49,824,000 |
| Total capital | 53,090,000 | 53,899,000 | 53,060,000 | 53,894,000 |
| Risk-weighted assets | 331,554,000 | 331,137,000 | 331,345,000 | 333,102,000 |