Call reports 2015
RIVERVIEW BANK — 2015
What RIVERVIEW BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 444,128,000 | 448,197,000 | 451,864,000 | 457,741,000 |
| Total loans | 349,887,000 | 352,871,000 | 352,308,000 | 353,077,000 |
| Allowance for loan losses | 3,735,000 | 4,145,000 | 3,994,000 | 4,365,000 |
| Securities available for sale | 47,378,000 | 50,417,000 | 53,853,000 | 57,564,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 372,921,000 | 381,842,000 | 378,751,000 | 373,987,000 |
| Interest-bearing deposits | 317,295,000 | 319,343,000 | 324,715,000 | 313,596,000 |
| Noninterest-bearing deposits | 55,626,000 | 62,499,000 | 54,036,000 | 60,391,000 |
| Equity capital | 40,189,000 | 38,177,000 | 38,958,000 | 38,400,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 4,222,000 | 8,451,000 | 12,742,000 | 17,209,000 |
| Interest expense | 491,000 | 976,000 | 1,419,000 | 1,846,000 |
| Net interest income | 3,731,000 | 7,475,000 | 11,323,000 | 15,363,000 |
| Noninterest income | 550,000 | 1,110,000 | 1,684,000 | 2,115,000 |
| Noninterest expense | 3,858,000 | 9,917,000 | 13,567,000 | 17,812,000 |
| Provision for loan losses | 0 | 450,000 | 450,000 | 1,472,000 |
| Pretax income | 421,000 | -1,823,000 | -1,040,000 | -1,823,000 |
| Income tax | 35,000 | -878,000 | -730,000 | -1,123,000 |
| Net income | 386,000 | -945,000 | -310,000 | -700,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,630,000 | 34,096,000 | 34,605,000 | 33,685,000 |
| Total capital | 39,365,000 | 38,257,000 | 38,605,000 | 38,099,000 |
| Risk-weighted assets | 344,712,000 | 355,258,000 | 357,178,000 | 355,821,000 |