Call reports 2004
MISSISSIPPI RIVER BANK — 2004
What MISSISSIPPI 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 | 92,979,000 | 96,815,000 | 97,333,000 | 93,331,000 |
| Total loans | 63,350,000 | 62,661,000 | 63,404,000 | 67,696,000 |
| Allowance for loan losses | 1,001,000 | 955,000 | 943,000 | 1,007,000 |
| Securities available for sale | 18,198,000 | 19,091,000 | 21,676,000 | 20,591,000 |
| Securities held to maturity | 341,000 | 341,000 | 341,000 | 790,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,360,000 | 84,946,000 | 84,866,000 | 82,697,000 |
| Interest-bearing deposits | 52,407,000 | 55,702,000 | 55,774,000 | 55,530,000 |
| Noninterest-bearing deposits | 28,953,000 | 29,244,000 | 29,092,000 | 27,167,000 |
| Equity capital | 11,151,000 | 11,479,000 | 11,156,000 | 10,381,000 |
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 | 1,296,000 | 2,550,000 | 3,854,000 | 5,235,000 |
| Interest expense | 87,000 | 177,000 | 288,000 | 427,000 |
| Net interest income | 1,209,000 | 2,373,000 | 3,566,000 | 4,808,000 |
| Noninterest income | 231,000 | 482,000 | 739,000 | 984,000 |
| Noninterest expense | 802,000 | 1,604,000 | 2,416,000 | 3,182,000 |
| Provision for loan losses | 0 | 0 | 10,000 | 96,000 |
| Pretax income | 638,000 | 1,251,000 | 1,879,000 | 2,514,000 |
| Income tax | 215,000 | 425,000 | 638,000 | 851,000 |
| Net income | 423,000 | 826,000 | 1,241,000 | 1,663,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,110,000 | 11,513,000 | 11,138,000 | 10,395,000 |
| Total capital | 11,978,000 | 12,395,000 | 12,015,000 | 11,249,000 |
| Risk-weighted assets | 69,336,000 | 70,499,000 | 70,087,000 | 68,385,000 |