Call reports 2007
RIVERSIDE BANK — 2007
What RIVERSIDE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 49,418,000 | 52,077,000 | 51,838,000 | 52,875,000 |
| Total loans | 40,637,000 | 44,258,000 | 43,292,000 | 44,176,000 |
| Allowance for loan losses | 386,000 | 385,000 | 385,000 | 385,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 3,416,000 | 3,376,000 | 3,359,000 | 3,542,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,722,000 | 37,587,000 | 39,849,000 | 40,235,000 |
| Interest-bearing deposits | 34,912,000 | 34,588,000 | 37,175,000 | 36,902,000 |
| Noninterest-bearing deposits | 3,810,000 | 2,999,000 | 2,674,000 | 3,333,000 |
| Equity capital | 3,828,000 | 4,107,000 | 4,060,000 | 4,044,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 940,000 | 1,935,000 | 2,936,000 | 3,951,000 |
| Interest expense | 479,000 | 983,000 | 1,525,000 | 2,054,000 |
| Net interest income | 461,000 | 952,000 | 1,411,000 | 1,897,000 |
| Noninterest income | 288,000 | 578,000 | 806,000 | 1,057,000 |
| Noninterest expense | 436,000 | 893,000 | 1,337,000 | 1,777,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 313,000 | 637,000 | 880,000 | 1,177,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 313,000 | 637,000 | 880,000 | 1,177,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,663,000 | 3,942,000 | 3,895,000 | 3,879,000 |
| Total capital | 4,049,000 | 4,327,000 | 4,280,000 | 4,264,000 |
| Risk-weighted assets | 38,068,000 | 40,730,000 | 40,316,000 | 40,559,000 |
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