Call reports 2006
RIVERVIEW BANK — 2006
What RIVERVIEW BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 111,638,000 | 111,856,000 | 117,710,000 | 113,834,000 |
| Total loans | 72,195,000 | 75,207,000 | 76,512,000 | 77,349,000 |
| Allowance for loan losses | 621,000 | 645,000 | 665,000 | 867,000 |
| Securities available for sale | 29,312,000 | 27,886,000 | 26,243,000 | 24,632,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,490,000 | 86,755,000 | 90,273,000 | 88,743,000 |
| Interest-bearing deposits | 78,975,000 | 78,751,000 | 82,049,000 | 81,125,000 |
| Noninterest-bearing deposits | 8,515,000 | 8,004,000 | 8,223,000 | 7,619,000 |
| Equity capital | 11,904,000 | 11,948,000 | 12,178,000 | 12,129,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,421,000 | 2,911,000 | 4,454,000 | 6,019,000 |
| Interest expense | 637,000 | 1,336,000 | 2,117,000 | 2,937,000 |
| Net interest income | 784,000 | 1,575,000 | 2,337,000 | 3,082,000 |
| Noninterest income | 158,000 | 310,000 | 432,000 | 595,000 |
| Noninterest expense | 665,000 | 1,330,000 | 2,046,000 | 2,868,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 295,000 |
| Pretax income | 247,000 | 495,000 | 633,000 | 514,000 |
| Income tax | 48,000 | 94,000 | 107,000 | 36,000 |
| Net income | 199,000 | 401,000 | 526,000 | 478,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,241,000 | 12,368,000 | 12,418,000 | 12,294,000 |
| Total capital | 12,862,000 | 13,013,000 | 13,083,000 | 13,161,000 |
| Risk-weighted assets | 64,626,000 | 67,710,000 | 70,120,000 | 70,083,000 |