Call reports 2004
RIVERSIDE BANK — 2004
What RIVERSIDE 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 | 42,512,000 | 42,792,000 | 43,086,000 | 44,046,000 |
| Total loans | 35,936,000 | 36,081,000 | 35,097,000 | 36,682,000 |
| Allowance for loan losses | 408,000 | 426,000 | 425,000 | 416,000 |
| Securities available for sale | 2,897,000 | 0 | 0 | 0 |
| Securities held to maturity | 1,149,000 | 3,772,000 | 3,110,000 | 2,845,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,074,000 | 33,164,000 | 33,452,000 | 34,369,000 |
| Interest-bearing deposits | 30,359,000 | 30,228,000 | 31,270,000 | 32,041,000 |
| Noninterest-bearing deposits | 2,716,000 | 2,936,000 | 2,182,000 | 2,328,000 |
| Equity capital | 3,204,000 | 3,293,000 | 3,397,000 | 3,397,000 |
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 | 782,000 | 1,629,000 | 2,465,000 | 3,337,000 |
| Interest expense | 214,000 | 425,000 | 638,000 | 887,000 |
| Net interest income | 568,000 | 1,204,000 | 1,827,000 | 2,450,000 |
| Noninterest income | 33,000 | 64,000 | 186,000 | 278,000 |
| Noninterest expense | 307,000 | 615,000 | 971,000 | 1,392,000 |
| Provision for loan losses | 30,000 | 60,000 | 70,000 | 70,000 |
| Pretax income | 275,000 | 605,000 | 972,000 | 1,266,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 275,000 | 605,000 | 972,000 | 1,266,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,040,000 | 3,128,000 | 3,232,000 | 3,232,000 |
| Total capital | 3,415,000 | 3,502,000 | 3,604,000 | 3,612,000 |
| Risk-weighted assets | 29,997,000 | 29,835,000 | 29,677,000 | 30,321,000 |
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