Call reports 2016
RIVERSIDE BANK — 2016
What RIVERSIDE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 60,141,000 | 61,943,000 | 61,125,000 | 58,742,000 |
| Total loans | 52,313,000 | 55,375,000 | 54,556,000 | 50,722,000 |
| Allowance for loan losses | 496,000 | 526,000 | 503,000 | 497,000 |
| Securities available for sale | 728,000 | 1,025,000 | 1,044,000 | 996,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,693,000 | 51,420,000 | 50,459,000 | 50,236,000 |
| Interest-bearing deposits | 47,339,000 | 45,983,000 | 45,797,000 | 45,495,000 |
| Noninterest-bearing deposits | 4,354,000 | 5,437,000 | 4,662,000 | 4,741,000 |
| Equity capital | 5,383,000 | 5,437,000 | 5,536,000 | 5,346,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 829,000 | 1,687,000 | 2,462,000 | 3,223,000 |
| Interest expense | 143,000 | 285,000 | 436,000 | 582,000 |
| Net interest income | 686,000 | 1,402,000 | 2,026,000 | 2,641,000 |
| Noninterest income | 92,000 | 228,000 | 453,000 | 604,000 |
| Noninterest expense | 416,000 | 840,000 | 1,245,000 | 1,662,000 |
| Provision for loan losses | 10,000 | 40,000 | 40,000 | 190,000 |
| Pretax income | 352,000 | 750,000 | 1,195,000 | 1,414,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 352,000 | 750,000 | 1,195,000 | 1,414,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,221,000 | 5,278,000 | 5,377,000 | 5,213,000 |
| Total capital | 5,717,000 | 5,804,000 | 5,880,000 | 5,710,000 |
| Risk-weighted assets | 45,101,000 | 47,224,000 | 46,974,000 | 43,990,000 |