Call reports 2012
RIVERSIDE BANK — 2012
What RIVERSIDE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 56,271,000 | 57,008,000 | 56,904,000 | 55,251,000 |
| Total loans | 49,567,000 | 48,894,000 | 50,398,000 | 47,839,000 |
| Allowance for loan losses | 521,000 | 561,000 | 391,000 | 441,000 |
| Securities available for sale | 1,063,000 | 989,000 | 914,000 | 914,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,881,000 | 50,752,000 | 50,486,000 | 48,956,000 |
| Interest-bearing deposits | 46,823,000 | 47,753,000 | 47,408,000 | 45,512,000 |
| Noninterest-bearing deposits | 3,058,000 | 2,999,000 | 3,078,000 | 3,444,000 |
| Equity capital | 5,265,000 | 5,165,000 | 5,295,000 | 5,153,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 883,000 | 1,733,000 | 2,617,000 | 3,406,000 |
| Interest expense | 194,000 | 367,000 | 537,000 | 690,000 |
| Net interest income | 689,000 | 1,366,000 | 2,080,000 | 2,716,000 |
| Noninterest income | 178,000 | 352,000 | 506,000 | 656,000 |
| Noninterest expense | 389,000 | 783,000 | 1,190,000 | 1,614,000 |
| Provision for loan losses | 30,000 | 70,000 | 140,000 | 190,000 |
| Pretax income | 448,000 | 865,000 | 1,256,000 | 1,568,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 448,000 | 865,000 | 1,256,000 | 1,568,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,089,000 | 4,997,000 | 5,127,000 | 4,984,000 |
| Total capital | 5,610,000 | 5,522,000 | 5,518,000 | 5,425,000 |
| Risk-weighted assets | 42,497,000 | 42,005,000 | 41,563,000 | 41,875,000 |