Call reports 2003
RIVERSIDE BANK OF THE GULF COAST — 2003
What RIVERSIDE BANK OF THE GULF COAST reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 203,884,000 | 218,330,000 | 247,570,000 | 275,266,000 |
| Total loans | 158,623,000 | 173,085,000 | 188,795,000 | 201,829,000 |
| Allowance for loan losses | 1,595,000 | 1,731,000 | 1,918,000 | 2,017,000 |
| Securities available for sale | 24,946,000 | 26,302,000 | 35,653,000 | 50,175,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 168,768,000 | 184,460,000 | 204,171,000 | 218,880,000 |
| Interest-bearing deposits | 124,894,000 | 142,387,000 | 161,079,000 | 171,718,000 |
| Noninterest-bearing deposits | 43,874,000 | 42,073,000 | 43,092,000 | 47,162,000 |
| Equity capital | 15,819,000 | 16,808,000 | 19,973,000 | 21,593,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 3,008,000 | 6,155,000 | 9,523,000 | 13,544,000 |
| Interest expense | 809,000 | 1,585,000 | 2,441,000 | 3,385,000 |
| Net interest income | 2,199,000 | 4,570,000 | 7,082,000 | 10,159,000 |
| Noninterest income | 1,107,000 | 2,318,000 | 3,626,000 | 4,526,000 |
| Noninterest expense | 2,032,000 | 4,200,000 | 6,702,000 | 9,466,000 |
| Provision for loan losses | 221,000 | 368,000 | 573,000 | 738,000 |
| Pretax income | 1,036,000 | 2,357,000 | 3,470,000 | 4,517,000 |
| Income tax | 393,000 | 876,000 | 1,288,000 | 1,674,000 |
| Net income | 643,000 | 1,481,000 | 2,182,000 | 2,843,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,348,000 | 16,205,000 | 19,925,000 | 21,603,000 |
| Total capital | 16,943,000 | 17,996,000 | 21,845,000 | 23,619,000 |
| Risk-weighted assets | 159,217,000 | 174,151,000 | 194,431,000 | 222,042,000 |