Call reports 2004
RIVERVIEW BANK — 2004
What RIVERVIEW BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 100,792,000 | 105,608,000 | 113,410,000 | 109,828,000 |
| Total loans | 50,198,000 | 53,866,000 | 55,973,000 | 59,341,000 |
| Allowance for loan losses | 477,000 | 475,000 | 453,000 | 466,000 |
| Securities available for sale | 39,629,000 | 41,657,000 | 42,230,000 | 41,158,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,159,000 | 87,082,000 | 94,618,000 | 91,253,000 |
| Interest-bearing deposits | 79,723,000 | 80,450,000 | 86,896,000 | 84,508,000 |
| Noninterest-bearing deposits | 6,436,000 | 6,632,000 | 7,722,000 | 6,745,000 |
| Equity capital | 11,788,000 | 11,424,000 | 11,940,000 | 11,661,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,200,000 | 2,400,000 | 3,636,000 | 4,946,000 |
| Interest expense | 500,000 | 997,000 | 1,532,000 | 2,077,000 |
| Net interest income | 700,000 | 1,403,000 | 2,104,000 | 2,869,000 |
| Noninterest income | 121,000 | 330,000 | 512,000 | 689,000 |
| Noninterest expense | 627,000 | 1,276,000 | 1,887,000 | 2,502,000 |
| Provision for loan losses | 0 | 0 | 0 | 25,000 |
| Pretax income | 188,000 | 482,000 | 754,000 | 1,056,000 |
| Income tax | 19,000 | 74,000 | 129,000 | 183,000 |
| Net income | 169,000 | 408,000 | 625,000 | 873,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,423,000 | 11,591,000 | 11,732,000 | 11,595,000 |
| Total capital | 11,900,000 | 12,066,000 | 12,185,000 | 12,061,000 |
| Risk-weighted assets | 46,310,000 | 51,228,000 | 53,618,000 | 55,294,000 |