Call reports 2003
RIVERSIDE BANK — 2003
What RIVERSIDE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 463,914,000 | 446,911,000 | 495,358,000 | 510,389,000 |
| Total loans | 325,633,000 | 331,554,000 | 335,468,000 | 333,994,000 |
| Allowance for loan losses | 4,260,000 | 4,447,000 | 4,667,000 | 4,821,000 |
| Securities available for sale | 73,627,000 | 76,968,000 | 79,033,000 | 82,912,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 364,104,000 | 346,410,000 | 391,946,000 | 410,328,000 |
| Interest-bearing deposits | 305,973,000 | 284,994,000 | 331,718,000 | 346,227,000 |
| Noninterest-bearing deposits | 58,131,000 | 61,416,000 | 60,228,000 | 64,101,000 |
| Equity capital | 39,627,000 | 40,985,000 | 41,686,000 | 42,404,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 6,116,000 | 12,312,000 | 18,273,000 | 24,260,000 |
| Interest expense | 1,792,000 | 3,581,000 | 5,281,000 | 6,964,000 |
| Net interest income | 4,324,000 | 8,731,000 | 12,992,000 | 17,296,000 |
| Noninterest income | 1,324,000 | 2,589,000 | 4,013,000 | 5,252,000 |
| Noninterest expense | 3,373,000 | 6,881,000 | 10,406,000 | 14,016,000 |
| Provision for loan losses | 230,000 | 420,000 | 630,000 | 820,000 |
| Pretax income | 2,045,000 | 4,028,000 | 6,043,000 | 7,786,000 |
| Income tax | 759,000 | 1,496,000 | 2,184,000 | 2,730,000 |
| Net income | 1,286,000 | 2,532,000 | 3,859,000 | 5,056,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,907,000 | 40,153,000 | 41,480,000 | 42,177,000 |
| Total capital | 43,167,000 | 44,600,000 | 46,147,000 | 46,998,000 |
| Risk-weighted assets | 383,682,000 | 388,842,000 | 397,996,000 | 409,704,000 |