Call reports 2008
RIVERVIEW BANK — 2008
What RIVERVIEW BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 120,006,000 | 128,638,000 | 134,869,000 | 139,958,000 |
| Total loans | 91,942,000 | 98,613,000 | 106,808,000 | 111,724,000 |
| Allowance for loan losses | 989,000 | 997,000 | 1,023,000 | 1,215,000 |
| Securities available for sale | 16,602,000 | 17,307,000 | 16,640,000 | 14,997,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,979,000 | 89,105,000 | 94,814,000 | 100,651,000 |
| Interest-bearing deposits | 78,797,000 | 80,383,000 | 83,647,000 | 88,759,000 |
| Noninterest-bearing deposits | 9,182,000 | 8,722,000 | 11,167,000 | 11,892,000 |
| Equity capital | 12,690,000 | 12,640,000 | 12,475,000 | 12,237,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,679,000 | 3,409,000 | 5,249,000 | 7,170,000 |
| Interest expense | 789,000 | 1,550,000 | 2,328,000 | 3,045,000 |
| Net interest income | 890,000 | 1,859,000 | 2,921,000 | 4,125,000 |
| Noninterest income | 140,000 | 265,000 | 397,000 | 552,000 |
| Noninterest expense | 819,000 | 1,708,000 | 2,630,000 | 4,008,000 |
| Provision for loan losses | 30,000 | 60,000 | 160,000 | 380,000 |
| Pretax income | 182,000 | 398,000 | 570,000 | 329,000 |
| Income tax | 28,000 | 72,000 | 92,000 | -42,000 |
| Net income | 154,000 | 326,000 | 478,000 | 371,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,608,000 | 12,705,000 | 12,482,000 | 12,200,000 |
| Total capital | 13,597,000 | 13,702,000 | 13,505,000 | 13,415,000 |
| Risk-weighted assets | 85,609,000 | 88,266,000 | 97,308,000 | 101,368,000 |