Call reports 2005
RIVERVIEW BANK — 2005
What RIVERVIEW BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 106,287,000 | 105,240,000 | 107,994,000 | 108,578,000 |
| Total loans | 59,484,000 | 62,687,000 | 64,812,000 | 68,934,000 |
| Allowance for loan losses | 502,000 | 545,000 | 571,000 | 591,000 |
| Securities available for sale | 37,198,000 | 35,502,000 | 33,660,000 | 30,241,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,886,000 | 86,238,000 | 90,109,000 | 87,923,000 |
| Interest-bearing deposits | 81,473,000 | 79,273,000 | 82,226,000 | 79,688,000 |
| Noninterest-bearing deposits | 6,413,000 | 6,966,000 | 7,883,000 | 8,236,000 |
| Equity capital | 11,559,000 | 11,790,000 | 11,887,000 | 11,805,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,327,000 | 2,647,000 | 3,999,000 | 5,393,000 |
| Interest expense | 539,000 | 1,093,000 | 1,677,000 | 2,291,000 |
| Net interest income | 788,000 | 1,554,000 | 2,322,000 | 3,102,000 |
| Noninterest income | 141,000 | 293,000 | 451,000 | 609,000 |
| Noninterest expense | 627,000 | 1,246,000 | 1,883,000 | 2,533,000 |
| Provision for loan losses | 45,000 | 90,000 | 120,000 | 150,000 |
| Pretax income | 257,000 | 511,000 | 770,000 | 1,003,000 |
| Income tax | 46,000 | 94,000 | 141,000 | 181,000 |
| Net income | 211,000 | 417,000 | 629,000 | 822,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,731,000 | 11,862,000 | 11,999,000 | 12,116,000 |
| Total capital | 12,233,000 | 12,407,000 | 12,570,000 | 12,707,000 |
| Risk-weighted assets | 54,510,000 | 56,389,000 | 58,600,000 | 61,005,000 |