Call reports 2006
RIVERSIDE BANK OF THE GULF COAST — 2006
What RIVERSIDE BANK OF THE GULF COAST reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 555,026,000 | 578,141,000 | 575,346,000 | 577,827,000 |
| Total loans | 413,862,000 | 428,988,000 | 419,800,000 | 401,855,000 |
| Allowance for loan losses | 4,058,000 | 4,325,000 | 4,386,000 | 4,190,000 |
| Securities available for sale | 110,407,000 | 111,362,000 | 118,915,000 | 139,571,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 407,602,000 | 406,195,000 | 408,871,000 | 400,339,000 |
| Interest-bearing deposits | 308,274,000 | 322,685,000 | 323,248,000 | 318,313,000 |
| Noninterest-bearing deposits | 99,328,000 | 83,510,000 | 85,623,000 | 82,026,000 |
| Equity capital | 37,740,000 | 38,246,000 | 41,727,000 | 42,597,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 8,981,000 | 18,795,000 | 28,999,000 | 39,406,000 |
| Interest expense | 3,449,000 | 7,517,000 | 12,228,000 | 17,002,000 |
| Net interest income | 5,532,000 | 11,278,000 | 16,771,000 | 22,404,000 |
| Noninterest income | 1,250,000 | 2,724,000 | 4,250,000 | 5,667,000 |
| Noninterest expense | 4,375,000 | 8,862,000 | 13,447,000 | 18,482,000 |
| Provision for loan losses | 398,000 | 728,000 | 863,000 | 863,000 |
| Pretax income | 2,045,000 | 4,448,000 | 6,750,000 | 8,768,000 |
| Income tax | 24,000 | 44,000 | 65,000 | 85,000 |
| Net income | 2,021,000 | 4,404,000 | 6,685,000 | 8,683,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,434,000 | 42,618,000 | 43,925,000 | 44,903,000 |
| Total capital | 44,492,000 | 46,943,000 | 48,311,000 | 49,093,000 |
| Risk-weighted assets | 417,939,000 | 420,283,000 | 411,942,000 | 417,178,000 |