Call reports 2003
RIVER BANK — 2003
What RIVER BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 433,792,000 | 427,483,000 | 426,746,000 | 465,391,000 |
| Total loans | 228,710,000 | 215,299,000 | 205,782,000 | 211,503,000 |
| Allowance for loan losses | 4,170,000 | 4,176,000 | 4,209,000 | 4,220,000 |
| Securities available for sale | 63,110,000 | 67,111,000 | 57,606,000 | 48,424,000 |
| Securities held to maturity | 104,688,000 | 119,281,000 | 143,506,000 | 183,786,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 280,556,000 | 280,943,000 | 281,137,000 | 273,149,000 |
| Interest-bearing deposits | 267,059,000 | 267,511,000 | 267,217,000 | 258,880,000 |
| Noninterest-bearing deposits | 13,497,000 | 13,432,000 | 13,920,000 | 14,269,000 |
| Equity capital | 51,142,000 | 51,785,000 | 51,860,000 | 54,133,000 |
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 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 5,722,000 | 11,036,000 | 16,134,000 | 21,526,000 |
| Interest expense | 2,395,000 | 4,705,000 | 6,863,000 | 8,957,000 |
| Net interest income | 3,327,000 | 6,331,000 | 9,271,000 | 12,569,000 |
| Noninterest income | 213,000 | 591,000 | 1,125,000 | 3,408,000 |
| Noninterest expense | 2,617,000 | 4,940,000 | 7,325,000 | 9,578,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 923,000 | 1,982,000 | 3,071,000 | 6,385,000 |
| Income tax | 337,000 | 728,000 | 1,139,000 | 2,138,000 |
| Net income | 586,000 | 1,254,000 | 1,932,000 | 4,247,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,256,000 | 51,085,000 | 51,743,000 | 54,100,000 |
| Total capital | 53,978,000 | 54,554,000 | 55,151,000 | 57,668,000 |
| Risk-weighted assets | 297,286,000 | 276,817,000 | 271,809,000 | 284,771,000 |