Call reports 2007
RIVERSIDE BANK OF THE GULF COAST — 2007
What RIVERSIDE BANK OF THE GULF COAST reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 596,214,000 | 604,383,000 | 596,456,000 | 554,605,000 |
| Total loans | 412,467,000 | 396,995,000 | 400,018,000 | 405,811,000 |
| Allowance for loan losses | 4,493,000 | 4,502,000 | 7,006,000 | 7,436,000 |
| Securities available for sale | 147,940,000 | 165,311,000 | 156,107,000 | 111,417,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 432,065,000 | 403,757,000 | 431,931,000 | 421,761,000 |
| Interest-bearing deposits | 351,671,000 | 334,353,000 | 371,996,000 | 367,047,000 |
| Noninterest-bearing deposits | 80,394,000 | 69,404,000 | 59,935,000 | 54,714,000 |
| Equity capital | 45,039,000 | 43,132,000 | 42,188,000 | 43,061,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 10,156,000 | 20,399,000 | 30,332,000 | 39,464,000 |
| Interest expense | 4,869,000 | 9,981,000 | 15,578,000 | 20,895,000 |
| Net interest income | 5,287,000 | 10,418,000 | 14,754,000 | 18,569,000 |
| Noninterest income | 1,679,000 | 3,236,000 | 4,479,000 | 5,701,000 |
| Noninterest expense | 5,179,000 | 10,107,000 | 15,087,000 | 20,085,000 |
| Provision for loan losses | 450,000 | 600,000 | 3,800,000 | 4,300,000 |
| Pretax income | 1,337,000 | 2,947,000 | 405,000 | -57,000 |
| Income tax | 20,000 | -9,000 | 5,000 | 18,000 |
| Net income | 1,317,000 | 2,956,000 | 400,000 | -75,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,402,000 | 48,235,000 | 45,479,000 | 46,443,000 |
| Total capital | 51,895,000 | 52,737,000 | 50,672,000 | 51,631,000 |
| Risk-weighted assets | 442,588,000 | 426,782,000 | 417,123,000 | 412,789,000 |