Call reports 2016
RIVERVIEW BANK — 2016
What RIVERVIEW BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 540,810,000 | 527,168,000 | 526,909,000 | 542,947,000 |
| Total loans | 402,075,000 | 398,811,000 | 399,014,000 | 409,994,000 |
| Allowance for loan losses | 3,717,000 | 3,609,000 | 3,637,000 | 3,732,000 |
| Securities available for sale | 73,317,000 | 74,253,000 | 72,371,000 | 73,113,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 455,585,000 | 461,566,000 | 459,068,000 | 452,632,000 |
| Interest-bearing deposits | 385,569,000 | 391,217,000 | 387,664,000 | 378,628,000 |
| Noninterest-bearing deposits | 70,016,000 | 70,349,000 | 71,404,000 | 74,004,000 |
| Equity capital | 49,206,000 | 49,813,000 | 50,195,000 | 47,899,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 5,096,000 | 10,075,000 | 15,370,000 | 20,388,000 |
| Interest expense | 520,000 | 1,005,000 | 1,465,000 | 1,920,000 |
| Net interest income | 4,576,000 | 9,070,000 | 13,905,000 | 18,468,000 |
| Noninterest income | 619,000 | 1,259,000 | 2,072,000 | 2,904,000 |
| Noninterest expense | 4,122,000 | 8,297,000 | 12,567,000 | 17,105,000 |
| Provision for loan losses | 99,000 | 255,000 | 284,000 | 453,000 |
| Pretax income | 972,000 | 2,109,000 | 3,610,000 | 4,298,000 |
| Income tax | 174,000 | 424,000 | 903,000 | 1,053,000 |
| Net income | 798,000 | 1,685,000 | 2,707,000 | 3,245,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,745,000 | 39,188,000 | 39,833,000 | 40,455,000 |
| Total capital | 43,517,000 | 42,854,000 | 43,541,000 | 44,270,000 |
| Risk-weighted assets | 390,351,000 | 390,235,000 | 393,296,000 | 406,655,000 |