Call reports 2013
RIVERSIDE BANK — 2013
What RIVERSIDE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 56,780,000 | 57,158,000 | 56,066,000 | 55,621,000 |
| Total loans | 50,373,000 | 51,712,000 | 50,212,000 | 49,546,000 |
| Allowance for loan losses | 471,000 | 476,000 | 501,000 | 501,000 |
| Securities available for sale | 818,000 | 779,000 | 737,000 | 744,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,417,000 | 50,531,000 | 48,905,000 | 49,213,000 |
| Interest-bearing deposits | 47,162,000 | 46,781,000 | 45,287,000 | 45,633,000 |
| Noninterest-bearing deposits | 3,255,000 | 3,750,000 | 3,618,000 | 3,580,000 |
| Equity capital | 5,198,000 | 5,315,000 | 5,336,000 | 5,314,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 823,000 | 1,669,000 | 2,535,000 | 3,371,000 |
| Interest expense | 142,000 | 284,000 | 423,000 | 562,000 |
| Net interest income | 681,000 | 1,385,000 | 2,112,000 | 2,809,000 |
| Noninterest income | 146,000 | 409,000 | 556,000 | 689,000 |
| Noninterest expense | 407,000 | 813,000 | 1,225,000 | 1,699,000 |
| Provision for loan losses | 30,000 | 90,000 | 120,000 | 120,000 |
| Pretax income | 390,000 | 891,000 | 1,323,000 | 1,679,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 390,000 | 891,000 | 1,323,000 | 1,679,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,034,000 | 5,190,000 | 5,252,000 | 5,222,000 |
| Total capital | 5,505,000 | 5,666,000 | 5,753,000 | 5,723,000 |
| Risk-weighted assets | 42,206,000 | 42,605,000 | 43,344,000 | 42,756,000 |