Call reports 2004
RIVERSIDE BANK OF THE GULF COAST — 2004
What RIVERSIDE BANK OF THE GULF COAST reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 283,359,000 | 323,092,000 | 340,332,000 | 371,607,000 |
| Total loans | 213,130,000 | 237,498,000 | 255,116,000 | 273,154,000 |
| Allowance for loan losses | 2,135,000 | 2,375,000 | 2,552,000 | 2,531,000 |
| Securities available for sale | 37,878,000 | 57,700,000 | 54,374,000 | 63,897,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 241,095,000 | 261,751,000 | 272,555,000 | 290,191,000 |
| Interest-bearing deposits | 183,408,000 | 194,755,000 | 202,344,000 | 208,452,000 |
| Noninterest-bearing deposits | 57,687,000 | 66,996,000 | 70,211,000 | 81,739,000 |
| Equity capital | 22,664,000 | 26,665,000 | 28,757,000 | 31,582,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 3,643,000 | 7,488,000 | 11,803,000 | 16,485,000 |
| Interest expense | 960,000 | 1,934,000 | 3,004,000 | 4,195,000 |
| Net interest income | 2,683,000 | 5,554,000 | 8,799,000 | 12,290,000 |
| Noninterest income | 1,239,000 | 2,506,000 | 3,560,000 | 4,560,000 |
| Noninterest expense | 2,720,000 | 5,564,000 | 8,546,000 | 11,867,000 |
| Provision for loan losses | 300,000 | 545,000 | 732,000 | 887,000 |
| Pretax income | 1,038,000 | 2,087,000 | 3,316,000 | 4,331,000 |
| Income tax | 373,000 | 728,000 | 1,119,000 | 1,429,000 |
| Net income | 665,000 | 1,359,000 | 2,197,000 | 2,902,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,284,000 | 27,593,000 | 28,466,000 | 31,113,000 |
| Total capital | 24,420,000 | 29,968,000 | 31,018,000 | 33,644,000 |
| Risk-weighted assets | 234,243,000 | 264,642,000 | 287,027,000 | 309,516,000 |