Call reports 2002
COMMUNITY BANK OF THE RED RIVER VALLEY — 2002
What COMMUNITY BANK OF THE RED RIVER VALLEY 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 | 103,765,000 | 105,297,000 | 111,512,000 | 116,124,000 |
| Total loans | 64,542,000 | 70,031,000 | 76,813,000 | 75,802,000 |
| Allowance for loan losses | 1,051,000 | 1,069,000 | 1,105,000 | 1,110,000 |
| Securities available for sale | 26,217,000 | 24,337,000 | 23,065,000 | 22,484,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,299,000 | 94,630,000 | 95,234,000 | 103,294,000 |
| Interest-bearing deposits | 79,580,000 | 80,826,000 | 80,580,000 | 82,311,000 |
| Noninterest-bearing deposits | 13,719,000 | 13,804,000 | 14,654,000 | 20,983,000 |
| Equity capital | 9,341,000 | 9,819,000 | 10,604,000 | 11,110,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,632,000 | 3,262,000 | 4,998,000 | 6,712,000 |
| Interest expense | 543,000 | 1,021,000 | 1,478,000 | 1,896,000 |
| Net interest income | 1,089,000 | 2,241,000 | 3,520,000 | 4,816,000 |
| Noninterest income | 229,000 | 439,000 | 673,000 | 942,000 |
| Noninterest expense | 677,000 | 1,359,000 | 2,039,000 | 2,779,000 |
| Provision for loan losses | 15,000 | 25,000 | 33,000 | 58,000 |
| Pretax income | 626,000 | 1,296,000 | 2,121,000 | 2,965,000 |
| Income tax | 229,000 | 483,000 | 801,000 | 1,125,000 |
| Net income | 397,000 | 813,000 | 1,320,000 | 1,840,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,823,000 | 8,238,000 | 8,745,000 | 9,265,000 |
| Total capital | 8,732,000 | 9,198,000 | 9,786,000 | 10,312,000 |
| Risk-weighted assets | 72,602,000 | 76,628,000 | 83,335,000 | 83,665,000 |