Call reports 2003
RIVERVIEW BANK — 2003
What RIVERVIEW BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 101,778,000 | 104,328,000 | 104,466,000 | 104,485,000 |
| Total loans | 49,173,000 | 48,394,000 | 47,522,000 | 49,573,000 |
| Allowance for loan losses | 477,000 | 477,000 | 477,000 | 477,000 |
| Securities available for sale | 42,018,000 | 44,535,000 | 47,079,000 | 45,212,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,684,000 | 84,499,000 | 85,628,000 | 87,878,000 |
| Interest-bearing deposits | 76,593,000 | 77,873,000 | 79,263,000 | 81,807,000 |
| Noninterest-bearing deposits | 6,091,000 | 6,626,000 | 6,365,000 | 6,071,000 |
| Equity capital | 11,418,000 | 11,753,000 | 11,414,000 | 11,577,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,331,000 | 2,571,000 | 3,774,000 | 5,008,000 |
| Interest expense | 602,000 | 1,183,000 | 1,730,000 | 2,245,000 |
| Net interest income | 729,000 | 1,388,000 | 2,044,000 | 2,763,000 |
| Noninterest income | 106,000 | 231,000 | 360,000 | 487,000 |
| Noninterest expense | 517,000 | 1,022,000 | 1,549,000 | 2,183,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 318,000 | 611,000 | 869,000 | 1,081,000 |
| Income tax | 64,000 | 117,000 | 158,000 | 184,000 |
| Net income | 254,000 | 494,000 | 711,000 | 897,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,028,000 | 11,179,000 | 11,282,000 | 11,396,000 |
| Total capital | 11,505,000 | 11,656,000 | 11,759,000 | 11,873,000 |
| Risk-weighted assets | 45,454,000 | 44,299,000 | 44,308,000 | 46,801,000 |