Call reports 2008
RIVERSIDE BANK — 2008
What RIVERSIDE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 54,296,000 | 52,241,000 | 50,500,000 | 51,378,000 |
| Total loans | 43,694,000 | 44,015,000 | 39,497,000 | 41,949,000 |
| Allowance for loan losses | 383,000 | 369,000 | 372,000 | 373,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 2,469,000 | 2,954,000 | 4,428,000 | 4,404,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,825,000 | 41,327,000 | 42,055,000 | 38,791,000 |
| Interest-bearing deposits | 39,133,000 | 38,542,000 | 38,772,000 | 35,907,000 |
| Noninterest-bearing deposits | 4,692,000 | 2,786,000 | 3,283,000 | 2,884,000 |
| Equity capital | 4,070,000 | 4,075,000 | 4,088,000 | 4,091,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,007,000 | 1,944,000 | 2,898,000 | 3,846,000 |
| Interest expense | 530,000 | 975,000 | 1,396,000 | 1,770,000 |
| Net interest income | 477,000 | 969,000 | 1,502,000 | 2,076,000 |
| Noninterest income | 236,000 | 416,000 | 553,000 | 718,000 |
| Noninterest expense | 415,000 | 817,000 | 1,204,000 | 1,600,000 |
| Provision for loan losses | 0 | 5,000 | 15,000 | 15,000 |
| Pretax income | 298,000 | 563,000 | 836,000 | 1,179,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 298,000 | 563,000 | 836,000 | 1,179,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,905,000 | 3,910,000 | 3,923,000 | 3,926,000 |
| Total capital | 4,288,000 | 4,279,000 | 4,295,000 | 4,299,000 |
| Risk-weighted assets | 41,019,000 | 41,041,000 | 37,473,000 | 38,640,000 |
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