Call reports 2002
RIVER BANK — 2002
What RIVER 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 | 436,987,000 | 443,745,000 | 435,738,000 | 437,074,000 |
| Total loans | 231,611,000 | 236,707,000 | 236,573,000 | 243,127,000 |
| Allowance for loan losses | 4,071,000 | 4,074,000 | 4,077,000 | 4,167,000 |
| Securities available for sale | 52,909,000 | 45,848,000 | 54,306,000 | 52,916,000 |
| Securities held to maturity | 123,185,000 | 129,265,000 | 115,144,000 | 111,326,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 273,095,000 | 278,800,000 | 280,607,000 | 280,950,000 |
| Interest-bearing deposits | 259,733,000 | 264,459,000 | 264,325,000 | 265,801,000 |
| Noninterest-bearing deposits | 13,362,000 | 14,341,000 | 16,282,000 | 15,149,000 |
| Equity capital | 51,757,000 | 51,092,000 | 51,378,000 | 51,045,000 |
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 | 6,461,000 | 12,962,000 | 19,118,000 | 25,199,000 |
| Interest expense | 3,099,000 | 6,030,000 | 8,944,000 | 11,540,000 |
| Net interest income | 3,362,000 | 6,932,000 | 10,174,000 | 13,659,000 |
| Noninterest income | 381,000 | 692,000 | 1,005,000 | 1,385,000 |
| Noninterest expense | 2,397,000 | 4,944,000 | 7,400,000 | 9,945,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,346,000 | 2,680,000 | 3,779,000 | 5,099,000 |
| Income tax | 489,000 | 971,000 | 1,320,000 | 1,861,000 |
| Net income | 857,000 | 1,709,000 | 2,459,000 | 3,238,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,386,000 | 49,613,000 | 49,677,000 | 49,869,000 |
| Total capital | 54,101,000 | 53,546,000 | 53,518,000 | 53,846,000 |
| Risk-weighted assets | 296,883,000 | 314,461,000 | 307,052,000 | 318,005,000 |