Call reports 2012
RIVERVIEW BANK — 2012
What RIVERVIEW BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 289,482,000 | 291,257,000 | 308,902,000 | 319,119,000 |
| Total loans | 207,294,000 | 211,725,000 | 234,202,000 | 238,678,000 |
| Allowance for loan losses | 3,279,000 | 2,900,000 | 3,319,000 | 3,736,000 |
| Securities available for sale | 50,776,000 | 48,959,000 | 47,245,000 | 45,101,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 248,167,000 | 248,757,000 | 259,704,000 | 269,489,000 |
| Interest-bearing deposits | 221,000,000 | 223,034,000 | 237,124,000 | 244,919,000 |
| Noninterest-bearing deposits | 27,167,000 | 25,723,000 | 22,580,000 | 24,570,000 |
| Equity capital | 27,695,000 | 28,096,000 | 28,311,000 | 28,617,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 3,232,000 | 6,389,000 | 9,660,000 | 13,016,000 |
| Interest expense | 821,000 | 1,606,000 | 2,394,000 | 3,095,000 |
| Net interest income | 2,411,000 | 4,783,000 | 7,266,000 | 9,921,000 |
| Noninterest income | 291,000 | 564,000 | 1,007,000 | 1,580,000 |
| Noninterest expense | 2,167,000 | 4,284,000 | 6,568,000 | 9,066,000 |
| Provision for loan losses | 50,000 | 85,000 | 510,000 | 1,140,000 |
| Pretax income | 1,255,000 | 1,748,000 | 1,965,000 | 2,065,000 |
| Income tax | 337,000 | 416,000 | 401,000 | 318,000 |
| Net income | 918,000 | 1,332,000 | 1,564,000 | 1,747,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,539,000 | 25,726,000 | 25,728,000 | 25,157,000 |
| Total capital | 28,076,000 | 28,312,000 | 28,578,000 | 28,064,000 |
| Risk-weighted assets | 202,239,000 | 206,541,000 | 227,506,000 | 231,711,000 |