Call reports 2003
RIVERSIDE BANK — 2003
What RIVERSIDE 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 | 38,293,000 | 43,631,000 | 43,039,000 | 41,113,000 |
| Total loans | 30,800,000 | 33,923,000 | 34,119,000 | 32,422,000 |
| Allowance for loan losses | 307,000 | 280,000 | 350,000 | 378,000 |
| Securities available for sale | 2,891,000 | 2,806,000 | 2,729,000 | 3,725,000 |
| Securities held to maturity | 994,000 | 999,000 | 144,000 | 848,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,401,000 | 35,295,000 | 34,660,000 | 32,864,000 |
| Interest-bearing deposits | 31,020,000 | 32,635,000 | 32,041,000 | 30,234,000 |
| Noninterest-bearing deposits | 2,381,000 | 2,660,000 | 2,619,000 | 2,629,000 |
| Equity capital | 2,785,000 | 3,183,000 | 3,244,000 | 3,140,000 |
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 | 742,000 | 1,556,000 | 2,527,000 | 3,290,000 |
| Interest expense | 271,000 | 533,000 | 796,000 | 1,041,000 |
| Net interest income | 471,000 | 1,023,000 | 1,731,000 | 2,249,000 |
| Noninterest income | -3,000 | 48,000 | 76,000 | 120,000 |
| Noninterest expense | 285,000 | 571,000 | 885,000 | 1,221,000 |
| Provision for loan losses | 20,000 | 50,000 | 125,000 | 155,000 |
| Pretax income | 163,000 | 446,000 | 797,000 | 1,012,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 163,000 | 446,000 | 797,000 | 1,012,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,621,000 | 3,009,000 | 3,105,000 | 2,999,000 |
| Total capital | 2,928,000 | 3,289,000 | 3,455,000 | 3,358,000 |
| Risk-weighted assets | 29,283,000 | 29,985,000 | 29,866,000 | 28,739,000 |
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