Call reports 2015
RIVERVIEW BANK — 2015
What RIVERVIEW BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 853,244,000 | 857,714,000 | 893,812,000 | 883,640,000 |
| Total loans | 580,551,000 | 570,396,000 | 596,847,000 | 611,113,000 |
| Allowance for loan losses | 10,762,000 | 10,337,000 | 10,113,000 | 10,173,000 |
| Securities available for sale | 112,464,000 | 139,974,000 | 134,571,000 | 154,292,000 |
| Securities held to maturity | 86,000 | 83,000 | 80,000 | 77,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 721,921,000 | 725,799,000 | 760,353,000 | 750,004,000 |
| Interest-bearing deposits | 568,899,000 | 561,631,000 | 580,865,000 | 569,941,000 |
| Noninterest-bearing deposits | 153,022,000 | 164,168,000 | 179,488,000 | 180,063,000 |
| Equity capital | 121,178,000 | 122,106,000 | 124,431,000 | 124,515,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 7,533,000 | 15,397,000 | 23,203,000 | 31,491,000 |
| Interest expense | 344,000 | 688,000 | 1,031,000 | 1,365,000 |
| Net interest income | 7,189,000 | 14,709,000 | 22,172,000 | 30,126,000 |
| Noninterest income | 2,132,000 | 4,359,000 | 6,384,000 | 8,527,000 |
| Noninterest expense | 7,778,000 | 15,430,000 | 22,664,000 | 30,058,000 |
| Provision for loan losses | -750,000 | -1,250,000 | -1,550,000 | -1,550,000 |
| Pretax income | 2,293,000 | 4,888,000 | 7,442,000 | 10,145,000 |
| Income tax | 678,000 | 1,568,000 | 2,358,000 | 3,256,000 |
| Net income | 1,597,000 | 3,287,000 | 5,031,000 | 6,823,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 88,122,000 | 92,144,000 | 94,565,000 | 95,623,000 |
| Total capital | 95,741,000 | 99,781,000 | 102,409,000 | 103,741,000 |
| Risk-weighted assets | 602,346,000 | 605,602,000 | 622,408,000 | 644,984,000 |