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 | 215,225,000 | 216,038,000 | 218,079,000 | 224,853,000 |
| Total loans | 158,272,000 | 164,053,000 | 161,208,000 | 163,693,000 |
| Allowance for loan losses | 1,719,000 | 1,797,000 | 1,870,000 | 1,923,000 |
| Securities available for sale | 44,465,000 | 40,385,000 | 41,399,000 | 40,915,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 183,168,000 | 185,748,000 | 186,459,000 | 191,441,000 |
| Interest-bearing deposits | 170,768,000 | 172,750,000 | 171,677,000 | 172,436,000 |
| Noninterest-bearing deposits | 12,400,000 | 12,998,000 | 14,782,000 | 19,005,000 |
| Equity capital | 22,153,000 | 21,308,000 | 22,239,000 | 23,022,000 |
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 | 2,909,000 | 5,796,000 | 8,723,000 | 11,719,000 |
| Interest expense | 1,156,000 | 2,250,000 | 3,369,000 | 4,505,000 |
| Net interest income | 1,753,000 | 3,546,000 | 5,354,000 | 7,214,000 |
| Noninterest income | 168,000 | 320,000 | 472,000 | 622,000 |
| Noninterest expense | 758,000 | 1,645,000 | 2,516,000 | 3,403,000 |
| Provision for loan losses | 78,000 | 156,000 | 234,000 | 318,000 |
| Pretax income | 1,085,000 | 2,065,000 | 3,076,000 | 4,115,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,085,000 | 2,065,000 | 3,076,000 | 4,115,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,232,000 | 20,412,000 | 20,823,000 | 21,862,000 |
| Total capital | 21,951,000 | 22,209,000 | 22,693,000 | 23,785,000 |
| Risk-weighted assets | 159,769,000 | 166,202,000 | 162,990,000 | 170,136,000 |