Call reports 2003
MISSISSIPPI RIVER BANK — 2003
What MISSISSIPPI 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 | 86,437,000 | 88,206,000 | 91,768,000 | 89,002,000 |
| Total loans | 62,952,000 | 64,574,000 | 66,074,000 | 67,165,000 |
| Allowance for loan losses | 927,000 | 957,000 | 993,000 | 1,001,000 |
| Securities available for sale | 13,480,000 | 15,319,000 | 15,265,000 | 14,776,000 |
| Securities held to maturity | 341,000 | 341,000 | 341,000 | 341,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,464,000 | 76,764,000 | 80,052,000 | 77,904,000 |
| Interest-bearing deposits | 49,255,000 | 50,759,000 | 52,543,000 | 52,201,000 |
| Noninterest-bearing deposits | 26,209,000 | 26,005,000 | 27,509,000 | 25,703,000 |
| Equity capital | 10,413,000 | 10,858,000 | 10,292,000 | 10,727,000 |
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 | 1,330,000 | 2,713,000 | 4,098,000 | 5,457,000 |
| Interest expense | 127,000 | 244,000 | 348,000 | 442,000 |
| Net interest income | 1,203,000 | 2,469,000 | 3,750,000 | 5,015,000 |
| Noninterest income | 243,000 | 507,000 | 763,000 | 1,007,000 |
| Noninterest expense | 813,000 | 1,658,000 | 2,470,000 | 3,270,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 603,000 | 1,258,000 | 1,953,000 | 2,632,000 |
| Income tax | 203,000 | 428,000 | 661,000 | 892,000 |
| Net income | 400,000 | 830,000 | 1,292,000 | 1,740,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,353,000 | 10,782,000 | 10,240,000 | 10,687,000 |
| Total capital | 11,157,000 | 11,609,000 | 11,096,000 | 11,542,000 |
| Risk-weighted assets | 64,169,000 | 66,068,000 | 68,452,000 | 68,249,000 |