Call reports 2011
RIVERSIDE BANK — 2011
What RIVERSIDE BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 58,527,000 | 59,229,000 | 61,396,000 | 58,601,000 |
| Total loans | 50,034,000 | 51,486,000 | 52,435,000 | 50,437,000 |
| Allowance for loan losses | 534,000 | 557,000 | 491,000 | 491,000 |
| Securities available for sale | 2,245,000 | 2,300,000 | 1,559,000 | 1,179,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,921,000 | 50,916,000 | 53,478,000 | 52,305,000 |
| Interest-bearing deposits | 48,166,000 | 48,355,000 | 50,476,000 | 49,320,000 |
| Noninterest-bearing deposits | 2,755,000 | 2,561,000 | 3,002,000 | 2,984,000 |
| Equity capital | 4,455,000 | 4,629,000 | 4,799,000 | 5,174,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 863,000 | 1,802,000 | 2,772,000 | 3,640,000 |
| Interest expense | 238,000 | 465,000 | 686,000 | 896,000 |
| Net interest income | 625,000 | 1,337,000 | 2,086,000 | 2,744,000 |
| Noninterest income | 126,000 | 257,000 | 389,000 | 555,000 |
| Noninterest expense | 418,000 | 793,000 | 1,196,000 | 1,658,000 |
| Provision for loan losses | 45,000 | 70,000 | 95,000 | 95,000 |
| Pretax income | 288,000 | 731,000 | 1,205,000 | 1,608,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 288,000 | 731,000 | 1,205,000 | 1,608,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,346,000 | 4,465,000 | 4,573,000 | 4,976,000 |
| Total capital | 4,880,000 | 5,022,000 | 5,064,000 | 5,467,000 |
| Risk-weighted assets | 44,245,000 | 45,726,000 | 45,991,000 | 43,337,000 |