Call reports 2005
RIVERSIDE BANK OF THE GULF COAST — 2005
What RIVERSIDE BANK OF THE GULF COAST reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 400,315,000 | 461,246,000 | 463,043,000 | 526,821,000 |
| Total loans | 293,533,000 | 324,306,000 | 347,394,000 | 375,611,000 |
| Allowance for loan losses | 2,848,000 | 3,178,000 | 3,407,000 | 3,704,000 |
| Securities available for sale | 63,998,000 | 107,879,000 | 82,170,000 | 121,485,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 339,653,000 | 335,732,000 | 360,570,000 | 388,459,000 |
| Interest-bearing deposits | 245,879,000 | 246,455,000 | 255,915,000 | 293,478,000 |
| Noninterest-bearing deposits | 93,774,000 | 89,277,000 | 104,655,000 | 94,981,000 |
| Equity capital | 31,649,000 | 33,576,000 | 37,571,000 | 38,020,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 4,938,000 | 10,988,000 | 18,178,000 | 25,969,000 |
| Interest expense | 1,278,000 | 2,949,000 | 5,070,000 | 7,644,000 |
| Net interest income | 3,660,000 | 8,039,000 | 13,108,000 | 18,325,000 |
| Noninterest income | 1,150,000 | 2,361,000 | 3,837,000 | 5,191,000 |
| Noninterest expense | 3,667,000 | 7,487,000 | 11,407,000 | 15,735,000 |
| Provision for loan losses | 341,000 | 678,000 | 973,000 | 1,337,000 |
| Pretax income | 1,207,000 | 2,640,000 | 5,027,000 | 6,906,000 |
| Income tax | 0 | 693,000 | 784,000 | 901,000 |
| Net income | 1,207,000 | 1,947,000 | 4,243,000 | 6,005,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,935,000 | 33,287,000 | 37,832,000 | 39,045,000 |
| Total capital | 34,783,000 | 36,465,000 | 41,239,000 | 42,749,000 |
| Risk-weighted assets | 307,644,000 | 352,988,000 | 381,764,000 | 416,106,000 |