Call reports 2005
RIVERSIDE BANK — 2005
What RIVERSIDE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 43,765,000 | 49,121,000 | 46,334,000 | 47,576,000 |
| Total loans | 36,275,000 | 43,882,000 | 39,949,000 | 40,858,000 |
| Allowance for loan losses | 411,000 | 408,000 | 401,000 | 390,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 2,831,000 | 2,825,000 | 3,209,000 | 3,575,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,971,000 | 37,639,000 | 36,357,000 | 37,628,000 |
| Interest-bearing deposits | 32,611,000 | 35,510,000 | 33,737,000 | 34,234,000 |
| Noninterest-bearing deposits | 2,360,000 | 2,129,000 | 2,620,000 | 3,394,000 |
| Equity capital | 3,513,000 | 3,572,000 | 3,624,000 | 3,616,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 827,000 | 1,657,000 | 2,519,000 | 3,453,000 |
| Interest expense | 255,000 | 538,000 | 878,000 | 1,236,000 |
| Net interest income | 572,000 | 1,119,000 | 1,641,000 | 2,217,000 |
| Noninterest income | 152,000 | 310,000 | 529,000 | 738,000 |
| Noninterest expense | 339,000 | 699,000 | 1,101,000 | 1,532,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 385,000 | 730,000 | 1,069,000 | 1,423,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 385,000 | 730,000 | 1,069,000 | 1,423,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,348,000 | 3,407,000 | 3,459,000 | 3,451,000 |
| Total capital | 3,732,000 | 3,815,000 | 3,860,000 | 3,841,000 |
| Risk-weighted assets | 30,572,000 | 35,619,000 | 34,085,000 | 35,053,000 |
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