Call reports 2004
RIVER BANK — 2004
What RIVER BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 480,918,000 | 476,149,000 | 498,352,000 | 515,469,000 |
| Total loans | 218,590,000 | 212,141,000 | 216,668,000 | 232,810,000 |
| Allowance for loan losses | 4,218,000 | 4,168,000 | 4,139,000 | 4,140,000 |
| Securities available for sale | 45,847,000 | 55,519,000 | 60,066,000 | 62,871,000 |
| Securities held to maturity | 189,290,000 | 183,749,000 | 197,811,000 | 197,268,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 281,451,000 | 291,236,000 | 302,512,000 | 300,036,000 |
| Interest-bearing deposits | 265,293,000 | 274,432,000 | 281,624,000 | 284,815,000 |
| Noninterest-bearing deposits | 16,158,000 | 16,804,000 | 20,888,000 | 15,221,000 |
| Equity capital | 54,504,000 | 55,840,000 | 54,374,000 | 54,478,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 5,470,000 | 10,994,000 | 16,517,000 | 22,459,000 |
| Interest expense | 2,015,000 | 4,104,000 | 6,196,000 | 8,501,000 |
| Net interest income | 3,455,000 | 6,890,000 | 10,321,000 | 13,958,000 |
| Noninterest income | 292,000 | 3,007,000 | 3,313,000 | 3,684,000 |
| Noninterest expense | 2,430,000 | 5,147,000 | 7,796,000 | 10,440,000 |
| Provision for loan losses | 0 | -300,000 | -300,000 | -300,000 |
| Pretax income | 1,317,000 | 5,050,000 | 6,138,000 | 7,502,000 |
| Income tax | 490,000 | 1,825,000 | 2,173,000 | 2,663,000 |
| Net income | 827,000 | 3,225,000 | 3,965,000 | 4,839,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 52,796,000 | 55,483,000 | 53,729,000 | 54,019,000 |
| Total capital | 56,417,000 | 59,070,000 | 57,498,000 | 57,884,000 |
| Risk-weighted assets | 289,078,000 | 286,372,000 | 301,185,000 | 308,883,000 |