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 | 206,878,000 | 209,411,000 | 215,325,000 | 224,461,000 |
| Total loans | 133,015,000 | 147,586,000 | 155,577,000 | 157,123,000 |
| Allowance for loan losses | 1,438,000 | 1,512,000 | 1,576,000 | 1,640,000 |
| Securities available for sale | 43,623,000 | 42,136,000 | 39,609,000 | 43,519,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 179,593,000 | 180,933,000 | 185,163,000 | 194,054,000 |
| Interest-bearing deposits | 166,855,000 | 167,984,000 | 172,126,000 | 179,174,000 |
| Noninterest-bearing deposits | 12,738,000 | 12,949,000 | 13,037,000 | 14,880,000 |
| Equity capital | 18,746,000 | 20,032,000 | 20,495,000 | 21,110,000 |
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 | 2,722,000 | 5,506,000 | 8,336,000 | 11,219,000 |
| Interest expense | 1,282,000 | 2,535,000 | 3,775,000 | 4,992,000 |
| Net interest income | 1,440,000 | 2,971,000 | 4,561,000 | 6,227,000 |
| Noninterest income | 173,000 | 359,000 | 596,000 | 794,000 |
| Noninterest expense | 771,000 | 1,525,000 | 2,278,000 | 3,079,000 |
| Provision for loan losses | 65,000 | 130,000 | 195,000 | 261,000 |
| Pretax income | 777,000 | 1,675,000 | 2,684,000 | 3,681,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 777,000 | 1,675,000 | 2,684,000 | 3,681,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,093,000 | 17,991,000 | 18,950,000 | 19,547,000 |
| Total capital | 18,531,000 | 19,503,000 | 20,526,000 | 21,187,000 |
| Risk-weighted assets | 142,702,000 | 152,804,000 | 154,290,000 | 158,446,000 |