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 | 173,012,000 | 179,514,000 | 186,884,000 | 200,430,000 |
| Total loans | 121,096,000 | 118,316,000 | 128,889,000 | 129,108,000 |
| Allowance for loan losses | 1,246,000 | 1,288,000 | 1,338,000 | 1,374,000 |
| Securities available for sale | 36,479,000 | 34,782,000 | 37,563,000 | 39,260,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 152,192,000 | 157,652,000 | 163,390,000 | 173,414,000 |
| Interest-bearing deposits | 142,153,000 | 147,976,000 | 152,271,000 | 160,295,000 |
| Noninterest-bearing deposits | 10,039,000 | 9,676,000 | 11,119,000 | 13,119,000 |
| Equity capital | 16,066,000 | 16,843,000 | 18,190,000 | 18,656,000 |
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 | 2,817,000 | 5,600,000 | 8,415,000 | 11,235,000 |
| Interest expense | 1,435,000 | 2,837,000 | 4,215,000 | 5,545,000 |
| Net interest income | 1,382,000 | 2,763,000 | 4,200,000 | 5,690,000 |
| Noninterest income | 128,000 | 235,000 | 374,000 | 561,000 |
| Noninterest expense | 660,000 | 1,347,000 | 2,075,000 | 2,878,000 |
| Provision for loan losses | 52,000 | 104,000 | 156,000 | 210,000 |
| Pretax income | 798,000 | 1,547,000 | 2,343,000 | 3,163,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 798,000 | 1,547,000 | 2,343,000 | 3,163,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,296,000 | 15,499,000 | 16,296,000 | 17,116,000 |
| Total capital | 16,542,000 | 16,787,000 | 17,634,000 | 18,490,000 |
| Risk-weighted assets | 126,855,000 | 125,354,000 | 132,995,000 | 135,918,000 |