Call reports 2001
RIVERS EDGE BANK — 2001
What RIVERS EDGE BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 46,407,000 | 46,458,000 | 48,161,000 | 52,026,000 |
| Total loans | 36,184,000 | 36,480,000 | 37,147,000 | 34,924,000 |
| Allowance for loan losses | 480,000 | 499,000 | 499,000 | 479,000 |
| Securities available for sale | 2,689,000 | 1,185,000 | 1,152,000 | 5,168,000 |
| Securities held to maturity | 1,234,000 | 1,222,000 | 1,172,000 | 2,168,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,241,000 | 38,665,000 | 39,879,000 | 44,116,000 |
| Interest-bearing deposits | 34,540,000 | 32,967,000 | 33,629,000 | 36,595,000 |
| Noninterest-bearing deposits | 5,701,000 | 5,698,000 | 6,250,000 | 7,521,000 |
| Equity capital | 4,203,000 | 4,256,000 | 4,357,000 | 4,213,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 974,000 | 1,951,000 | 2,890,000 | 3,788,000 |
| Interest expense | 465,000 | 897,000 | 1,277,000 | 1,613,000 |
| Net interest income | 509,000 | 1,054,000 | 1,613,000 | 2,175,000 |
| Noninterest income | 99,000 | 225,000 | 378,000 | 527,000 |
| Noninterest expense | 515,000 | 1,012,000 | 1,529,000 | 2,134,000 |
| Provision for loan losses | 23,000 | 45,000 | 68,000 | 86,000 |
| Pretax income | 70,000 | 222,000 | 394,000 | 485,000 |
| Income tax | 29,000 | 57,000 | 86,000 | 239,000 |
| Net income | 41,000 | 165,000 | 308,000 | 246,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,690,000 | 3,761,000 | 3,884,000 | 3,777,000 |
| Total capital | 4,170,000 | 4,260,000 | 4,383,000 | 4,256,000 |
| Risk-weighted assets | 39,304,000 | 40,618,000 | 41,837,000 | 41,127,000 |