Call reports 2002
RIVERSIDE BANK — 2002
What RIVERSIDE BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 357,216,000 | 356,763,000 | 387,712,000 | 433,107,000 |
| Total loans | 238,329,000 | 255,630,000 | 285,878,000 | 300,902,000 |
| Allowance for loan losses | 3,189,000 | 3,183,000 | 3,645,000 | 4,037,000 |
| Securities available for sale | 67,022,000 | 60,784,000 | 54,527,000 | 62,107,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 288,212,000 | 290,590,000 | 318,679,000 | 351,782,000 |
| Interest-bearing deposits | 233,546,000 | 234,102,000 | 260,967,000 | 301,554,000 |
| Noninterest-bearing deposits | 54,666,000 | 56,488,000 | 57,712,000 | 50,228,000 |
| Equity capital | 26,479,000 | 29,071,000 | 32,082,000 | 38,794,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 5,381,000 | 10,900,000 | 16,636,000 | 22,697,000 |
| Interest expense | 1,834,000 | 3,643,000 | 5,461,000 | 7,276,000 |
| Net interest income | 3,547,000 | 7,257,000 | 11,175,000 | 15,421,000 |
| Noninterest income | 781,000 | 1,754,000 | 3,000,000 | 4,438,000 |
| Noninterest expense | 3,035,000 | 6,290,000 | 9,586,000 | 13,017,000 |
| Provision for loan losses | 112,000 | 280,000 | 802,000 | 1,254,000 |
| Pretax income | 1,204,000 | 2,464,000 | 4,042,000 | 5,972,000 |
| Income tax | 431,000 | 897,000 | 1,474,000 | 2,139,000 |
| Net income | 773,000 | 1,567,000 | 2,568,000 | 3,833,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,812,000 | 27,605,000 | 30,605,000 | 37,621,000 |
| Total capital | 29,001,000 | 30,788,000 | 34,250,000 | 41,658,000 |
| Risk-weighted assets | 283,968,000 | 300,899,000 | 330,940,000 | 349,502,000 |